127 Check Bottom Dr, Delano, TN 37325 Property Records

Polk County property record for 127 Check Bottom Dr, Delano, TN 37325

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,800 sqft · built 2018
Lot Size	7.02 acres (305,791 sqft)
Owner	2 Individual Names on File
Last Sale	$492,000 (Oct 2021)
Tax Bill	$1,758 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`017-008.20`

Property Details

APN / Parcel Number

Primary APN	`017-008.20`
Alternative APNs	`0101701700820` `070017 00820`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,800 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	1,800 sqft
Basement Area	1,800 sqft
Finished Basement	1,000 sqft
Unfinished Basement	800 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	305,791 sqft (7.02 acres)
Terrain	Rolling

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	2,120 sqft
Shed	1 Shed
Shed Area	504 sqft
Pole Barn	1,428 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	127 CHECK BOTTOM DR
City	DELANO
State	TN
Zip	37325-5056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADA MOSS ESTATES PB: 8 PG: 61 LOT: 20
Legal Subdivision	ADA MOSS ESTATES
Legal Lot Number	20
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	1
Census Block	1115
Census Tract	950201

Owner

Source: Polk County records, as of February 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Apr 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS BANK NA
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit FIRST VOLUNTEER BANK
Oct 20, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST VOLUNTEER BANK OF TENNESSEE
Apr 24, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on File
Deed Sale	Oct 14, 2021 · Amount on File
Prior Sale	Feb 6, 2017 · Amount on File
Deed Document Number	20212941
Deed Book / Page	334 / 260
Prior Transfer Date	Nov 8, 2012
Prior Transfer Doc	00WD278/44
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 14, 2021
Property Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Document Number	WD334/260
Book / Page	WD334 / 260
Map Reference	MB 8 PG 61&62
Instrument Date	Oct 8, 2021
Instrument	21002941
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	SKYWAY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056

Mortgage

Document Number	21002942
Date	Oct 14, 2021
Instrument	21002942

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Apr 7, 2021
Property Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Document Number	00WD330/79
Book / Page	WD330 / 79
Map Reference	MB 8 PG 61&62
Instrument Date	Mar 5, 2021
Instrument	21001081
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056

Mortgage

Document Number	0021001082
Date	Apr 7, 2021
Instrument	21001082

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000175
Date	Jan 27, 2020
Book Page	TD520/341
Instrument	20000175

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank
Address	ETOWAH, TN 37331

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 20, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Oct 20, 2017
Property Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Document Number	0WD306/058
Book / Page	WD306 / 058
Map Reference	MB 8 PG 61-62
Instrument Date	Oct 12, 2017
Instrument	17002213
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	EQUITITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056

Mortgage

Document Number	0017002214
Date	Oct 20, 2017
Instrument	17002214

Lender

Name	FIRST VOLUNTEER BANK OF TENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK TN
Recording Date	Apr 24, 2017
Property Address	127 CHECK BOTTOM DR, DELANO, TN 37325-5056
Book / Page	000487 / 000209
Instrument Date	Apr 17, 2017
Instrument	830
Transaction Type	Construction Loan
Record Updated	Apr 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	133 LYNN RD MADISONVILLE TN 373546874, MADISONVILLE, TN 37354-6874

Mortgage

Document Number	0000000830
Date	Apr 24, 2017
Book Page	000487/000209
Instrument	830

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	ETOWAH, TN 37331

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 23, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,758.00	$104,075 (-) Land $7,175 Building $96,900	$416,300 (-) Land $28,700 Building $387,600
2024	$1,758.00 (+5.84%)	$104,075 (+5.85%) Land $7,175 Building $96,900
2023	$1,661.00 (+14.87%)	$98,325 (+70.85%) Land $7,175 Building $91,150	$416,300 (+80.84%) Land $28,700 Building $387,600
2022	$1,446.00	$57,550 Land $7,175 Building $50,375	$230,200 Land $28,700 Building $201,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ETOWAH UTILITIES serves 12,851 people · EPA ID TN0000233
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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