1302 E Main St, Waverly, TN 37185 Property Records

Humphreys County property record for 1302 E Main St, Waverly, TN 37185

Property Summary

Property Type	Commercial
Details	1.5 ba · 2,982 sqft · built 1995
Lot Size	0.578 acres (25,182 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2022)
Tax Bill	$630 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043064E B 00300`

Property Details

APN / Parcel Number

Primary APN	`043064E B 00300`
Alternative APN	`064E B 00300`

Interior

Full Baths	1.5 Baths
Stories	1 Story
Building Area	2,982 sqft Total Area
1st Floor Area	2,130 sqft
Flooring	Concrete/Cement
Interior Walls	Unfinished

Exterior

Year Built	Built 1995
Exterior Material	Metal
Construction Type	Wood
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Metal
Lot Area	25,182 sqft
Porch	Open Porch
Porch Area	36 sqft
Utility Building	528 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1302 E MAIN ST
City	WAVERLY
State	TN
Zip	37185-1819
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DISTRICT: 02, COUNTY AREA: W04
Legal Subdivision	FAIRFIELD
Legal Block	B
Jurisdiction	HUMPHREYS TN
Township / Civil Division	3
Census Block Group	2
Census Block	2046
Census Tract	130300

Owner

Source: Humphreys County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1302 E MAIN ST, WAVERLY, TN 37185-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Warranty Deed, Transfer · Commercial Mortgage APEX BANK
Oct 9, 2019	Deed of Trust, Mortgage APEX BANK
Apr 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FED'L SVGS BK/FRANKFORT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Oct 19, 2004 · Amount on Record
Deed Document Number	0002122050
Deed Book / Page	212 / 2050
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUMPHREYS TN
Recording Date	Jul 21, 2022
Property Address	1302 E MAIN ST, WAVERLY, TN 37185-1819
Document Number	0000002391
Book / Page	WD212 / 2050
Instrument Date	Jul 21, 2022
Instrument	22002391
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 E MAIN ST, WAVERLY, TN 37185-1819

Mortgage

Document Number	0000002392
Date	Jul 21, 2022
Instrument	22002392

Lender

Name	APEX BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 20, 2027

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	1302 E MAIN ST, WAVERLY, TN 37185-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002729
Date	Oct 9, 2019
Book Page	232/1815
Instrument	19002729

Lender

Name	APEX BANK
Type	Bank
Address	CAMDEN, TN 38320

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2024

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	1302 E MAIN ST, WAVERLY, TN 37185-1819
Document Number	0000001063
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 E MAIN ST WAVERLY TN 371851819, WAVERLY, TN 37185-1819

Mortgage

Document Number	0000001063
Date	Apr 13, 2018
Book Page	000228/000704
Instrument	1063

Lender

Name	FIRST FED'L SVGS BK/FRANKFORT
Type	Federal Savings Bank
Address	MCEWEN, TN 37101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Apr 12, 2021

Tax Assessment & Valuation

Source: Humphreys County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Humphreys County
Municipality	Waverly City
Unified School District	Humphreys County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$630.00 (-0.32%)	$20,760 (-) Land $12,000 Building $8,760
2024	$632.00	$20,760 (-) Land $12,000 Building $8,760
2023	$632.00 (+4.98%)	$20,760 (+10.66%) Land $12,000 Building $8,760	$51,900 (+10.66%) Land $30,000 Building $21,900
2022	$602.00	$18,760 Land $10,120 Building $8,640	$46,900 Land $25,300 Building $21,600

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 September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Nearby Flood Policies	36 in force
Nearby Flood Claims	84 (1984–2024)
Claims Outside the SFHA	11 of 84
Most Recent Claim	Dec 2024 · rainfall accumulation
Claims by Event	Severe Storm And Flooding, Aug 2021 · 41 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 16 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 23 claims

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Meriwether Lewis Connect Fiber	1,000 / 1,000
GigFire Fiber · Fixed Wireless	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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