Humphreys County property record for 131 Bern St, Waverly, TN 37185
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,050 sqft · built 1975 |
| Lot Size | 0.363 acres (15,815 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Oct 2025) |
| Tax Bill | $1,033 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043053J D 01100 |
| Primary APN | 043053J D 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,815 sqft |
| Terrain | Rolling |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Porch | Porch |
| Porch Area | 44 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 131 BERN ST |
|---|---|
| City | WAVERLY |
| State | TN |
| Zip | 37185-1240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: W03 |
| Legal Subdivision | EZE ACRES SECTION 1 |
| Legal Lot Number | 31 |
| Jurisdiction | HUMPHREYS TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 130300 |
131 Bern St is owned and occupied by an individual who bought it in October 2025.
Source: Humphreys County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 22, 2025 | Warranty Deed, Transfer · Closed-End Mortgage BANK OF PERRY COUNTY |
| May 5, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 17, 2023 | Warranty Deed, Transfer |
| Jan 10, 2018 | Warranty Deed, Transfer FIRSTBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2025 · Amount on File |
| Deed Sale | Oct 22, 2025 · Amount on File |
| Prior Sale | May 5, 2023 · Amount on File |
| Deed Document Number | 25003527 |
| Deed Book / Page | 10 / 62 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Oct 22, 2025 |
| Property Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000003527 |
| Book / Page | 10 / 62 |
| Map Reference | CAB A SL 68 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 25003527 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000003528 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 25003528 |
| Name | BANK OF PERRY COUNTY |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Oct 20, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | May 5, 2023 |
| Property Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000001228 |
| Book / Page | WD213 / 2478 |
| Map Reference | CAB A SL 68 |
| Instrument Date | May 5, 2023 |
| Instrument | 23001228 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | THRIVE TITLE LLC, THREE RIVERS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000001229 |
|---|---|
| Date | May 5, 2023 |
| Instrument | 23001229 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Jan 17, 2023 |
| Property Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000000124 |
| Book / Page | WD213 / 1214 |
| Map Reference | CAB A SL 68 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 23000124 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $370.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 923 INDIAN CREEK RD, MC EWEN, TN 37101-4354 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Jan 10, 2018 |
| Property Address | 131 BERN ST, WAVERLY, TN 37185-1240 |
| Document Number | 0000000094 |
| Book / Page | 000205 / 001723 |
| Instrument Date | Jan 9, 2018 |
| Instrument | 94 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $259.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 BERN ST WAVERLY TN 371851240, WAVERLY, TN 37185-1240 |
| Document Number | 95 |
|---|---|
| Date | Jan 10, 2018 |
| Book Page | 000227/001840 |
| Instrument | 95 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 9, 2048 |
The 2025 property tax bill for 131 Bern St was $1,033, down 0.3% from the year before.
Source: Humphreys County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Humphreys County |
| Municipality | Waverly City |
| Unified School District | Humphreys County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,033.00 (-0.29%) | $34,000 (-) Land $5,000 Building $29,000 | |
| 2024 | $1,036.00 | $34,000 (-) Land $5,000 Building $29,000 | |
| 2023 | $1,036.00 (+81.12%) | $34,000 (+90.74%) Land $5,000 Building $29,000 | $136,000 (+90.74%) Land $20,000 Building $116,000 |
| 2022 | $572.00 | $17,825 Land $2,200 Building $15,625 | $71,300 Land $8,800 Building $62,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 131 Bern St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2010–2021) |
| Most Recent Claim | Aug 2021 · Severe Storm 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 risk around 131 Bern St is low, with a 0.02% annual chance of 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Meriwether Lewis Connect Fiber | 1,000 / 1,000 |
| GigFire Fiber · Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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