138 W Third St, Henderson, TN 38340 Property Records

Chester County property record for 138 W Third St, Henderson, TN 38340

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,927 sqft · built 1979
Lot Size	1.04 acres (45,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Aug 2013)
Tax Bill	$2,082 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`012033K B 01700`

Property Details

APN / Parcel Number

Primary APN	`012033K B 01700`
Alternative APN	`033K B 01700 00006033N`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,927 sqft Living Area
1st Floor Area	2,539 sqft
Basement Area	2,539 sqft
Finished Basement	2,539 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,440 sqft (1.04 acres)
Lot Dimensions	284 ft deep x 160 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,521 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	648 sqft
Porch	Patio
Porch Area	232 sqft
Deck Area	300 sqft
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	138 W THIRD ST
City	HENDERSON
State	TN
Zip	38340-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: H63
Jurisdiction	CHESTER TN
Township / Civil Division	4
Census Block Group	2
Census Block	2001
Census Tract	970200

Owner

Source: Chester County records, as of September 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	138 W THIRD ST, HENDERSON, TN 38340-1806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2013 · Amount on Record
Deed Sale	Aug 6, 2013 · Amount on Record
Prior Sale	Jun 10, 2005 · Amount on Record
Deed Document Number	201346821
Deed Book / Page	377 / 93
Transfer Doc	243220
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Recording Date	Aug 26, 2026
Property Address	138 W THIRD ST, HENDERSON, TN 38340-1806
Document Number	0000082884
Book / Page	553 / 216
Instrument Date	Aug 17, 2026
Instrument	202682884
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 W THIRD ST, HENDERSON, TN 38340-1806

Mortgage

Document Number	0000082884,
Date	Aug 26, 2026
Book Page	553/216
Instrument	202682884

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2046

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Recording Date	Jun 22, 2026
Property Address	138 W THIRD ST, HENDERSON, TN 38340-1806
Document Number	0000082260
Book / Page	550 / 86
Instrument Date	May 30, 2026
Instrument	202682260
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 W THIRD ST, HENDERSON, TN 38340-1806

Mortgage

Document Number	0000082260,
Date	Jun 22, 2026
Book Page	550/86
Instrument	202682260

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2041

Interest

Rate	5.64%
Max Rate	-1%

Tax Assessment & Valuation

Source: Chester County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Chester County
Municipality	Henderson City
Unified School District	Chester County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,082.00	$102,225 (-)	$408,900 (-) Land $24,500 Building $384,400
2025	$2,082.00 (+21.83%)	$102,225 (+48.74%)	$408,900 (+48.74%) Land $24,500 Building $384,400
2023	$1,709.00	$68,725	$274,900 Land $18,600 Building $256,300

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 May 4, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Water System	HENDERSON WATER DEPT serves 8,924 people · EPA ID TN0000293
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Aeneas Communications Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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