1325 Black Rd, Prospect, TN 38477 Property Records

Giles County property record for 1325 Black Rd, Prospect, TN 38477

Property Summary

Property Type	Rural Home
Details	1 ba · 944 sqft · built 2010
Lot Size	50.1 acres (2,185,405 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Apr 2024)
Tax Bill	$5,464 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`028147 02403`

Property Details

APN / Parcel Number

Primary APN	`028147 02403`
Alternative APN	`147 02403`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	944 sqft Living Area
1st Floor Area	3,137 sqft
Upper Floors Area	1,782 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,185,405 sqft (50.1 acres)
Garage Type	Finished
Garage Area	1,626 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,482 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1325 BLACK RD
City	PROSPECT
State	TN
Zip	38477-6928
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 04, COUNTY AREA: R01
Legal Subdivision	E S VANHOOZER SURV
Legal Tract	1
Jurisdiction	GILES TN
Township / Civil Division	2
Census Block Group	1
Census Block	1046
Census Tract	920600

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Oct 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC
Apr 8, 2024	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Jul 28, 2021	Warranty Deed, Transfer · FHA Mortgage ACOPIA LLC
Apr 19, 2021	Warranty Deed, Transfer
May 12, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Jul 28, 2021 · Amount on Record
Deed Document Number	24147694
Deed Book / Page	D405 / 933
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155998
Date	Dec 11, 2025
Book Page	DT688/723
Instrument	25155998

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	100 N TRYON ST, CHARLOTTE, NC 28202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 26, 2055

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 BLACK RD, PROSPECT, TN 38477-6928

Mortgage

Document Number	0000150318
Date	Oct 30, 2024
Book Page	DT668/955
Instrument	24150318

Lender

Name	LOAN PRONTO INC
Type	Mortgage Company
Address	800 WESTMERE AVE STE 300, CHARLOTTE, NC 28208

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2039

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Apr 8, 2024
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Document Number	0000147694
Book / Page	D405 / 933
Instrument Date	Mar 29, 2024
Instrument	24147694
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	MID STATE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9311 SAN PEDRO AVE STE 100, 100, SAN ANTONIO, TX 78216-4459

Mortgage

Document Number	0000147695
Date	Apr 8, 2024
Instrument	24147695

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Jul 28, 2021
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Document Number	0000133566
Book / Page	D391 / 317
Instrument Date	Jul 23, 2021
Instrument	21133566
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, HIGHLAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Investor	Possibly a Property Investor

Mortgage

Document Number	0000133567
Date	Jul 28, 2021
Instrument	21133567

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Apr 19, 2021
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Document Number	0000131772
Book / Page	D389 / 449
Instrument Date	Apr 14, 2021
Instrument	21131772
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 BLACK RD, PROSPECT, TN 38477-6928

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	May 12, 2017
Property Address	1325 BLACK RD, PROSPECT, TN 38477-6928
Document Number	0000112182
Book / Page	000371 / 000754
Instrument Date	May 9, 2017
Instrument	112182
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$22.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1325 BLACK RD PROSPECT TN 384776928, PROSPECT, TN 38477-6928

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,464.00 (+15.79%) Additional exemption filed	$237,000 (-0.24%) Land $18,725 Building $218,275
2024	$4,719.00 Additional exemption filed	$237,575 (-) Land $20,350 Building $217,225
2023	$4,719.00 Additional exemption filed	$237,575 (-) Land $20,350 Building $217,225
2022	$4,719.00	$237,575 Land $20,350 Building $217,225	$1,056,800 Land $183,700 Building $873,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 30, 2017 · 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	2 in force

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 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	MINOR HILL WATER UTILITY DISTRICT serves 8,364 people · EPA ID TN0000469
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Kentucky Rural Telephone Cooperative Corp. Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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