1445 State Rte 197, Beech Bluff, TN 38313 Property Records

Chester County property record for 1445 State Rte 197, Beech Bluff, TN 38313

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,671 sqft · built 1978
Lot Size	4.25 acres (185,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Nov 2024)
Tax Bill	$1,413 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012004 01404`

Property Details

APN / Parcel Number

Primary APN	`012004 01404`
Alternative APN	`004 01404 00005004`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,671 sqft Living Area
1st Floor Area	1,890 sqft
Basement Area	1,321 sqft
Finished Basement	999 sqft
Unfinished Basement	322 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	185,130 sqft (4.25 acres)
Terrain	Rolling
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	192 sqft
Patio Area	234 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1445 STATE ROUTE 197
City	BEECH BLUFF
State	TN
Zip	38313-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: S50
Jurisdiction	CHESTER TN
Township / Civil Division	2
Census Block Group	2
Census Block	2016
Census Tract	970101

Owner

Source: Chester County records, as of July 20, 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	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Oct 31, 2019	Warranty Deed, Transfer MR COOPER
Aug 17, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Mar 9, 2017	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on Record
Deed Sale	Nov 25, 2024 · Amount on Record
Prior Sale	Oct 31, 2019 · Amount on Record
Deed Document Number	202477505
Deed Book / Page	524 / 756
Prior Transfer Date	Nov 19, 2024
Prior Transfer Doc	0005240756
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759

Mortgage

Document Number	0005390404
Date	Nov 7, 2025
Book Page	539/404
Instrument	80336

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Transaction Type	Mortgage
Record Updated	Oct 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004810551
Date	Sep 27, 2021
Book Page	481/551
Instrument	68563

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004350361
Date	Jul 11, 2018
Book Page	435/361
Instrument	59346

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 1, 2023

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTER TN
Recording Date	Oct 31, 2019
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Document Number	0004510723
Book / Page	000451 / 000723
Instrument Date	Oct 25, 2019
Instrument	62762
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 HWY 197 BEECH BLUFF TN 38313, BEECH BLUFF, TN 38313

Mortgage

Document Number	4510725
Date	Oct 31, 2019
Book Page	000451/000725
Instrument	62763

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTER TN
Recording Date	Aug 17, 2017
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Document Number	0004240211
Book / Page	000424 / 000211
Instrument Date	Aug 14, 2017
Instrument	57042
Transaction Type	Transfer
Record Updated	Oct 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$551.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1445 STATE ROUTE 197 BEECH BLUFF TN 383131759, BEECH BLUFF, TN 38313-1759

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	1445 STATE ROUTE 197, BEECH BLUFF, TN 38313-1759
Document Number	0004180802
Book / Page	000418 / 000802
Instrument Date	Mar 9, 2017
Transaction Type	Mortgage
Record Updated	Mar 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 STATE ROUTE 197 BEECH BLUFF TN 383131759, BEECH BLUFF, TN 38313-1759

Mortgage

Document Number	0004180802
Date	Mar 16, 2017
Book Page	000418/000802
Instrument	55958

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,413.00	$69,400 (-)	$277,600 (-) Land $19,100 Building $258,500
2025	$1,413.00 (+20.26%)	$69,400 (+46.88%)	$277,600 (+46.88%) Land $19,100 Building $258,500
2023	$1,175.00	$47,250	$189,000 Land $14,500 Building $174,500

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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