145 Prospect Ln, Harrogate, TN 37752 Property Records

Claiborne County property record for 145 Prospect Ln, Harrogate, TN 37752

Property Summary

Property Type	Single Family Home
Details	2 ba · 872 sqft · built 1981
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Tax Bill	$576 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013029 03312`

Property Details

APN / Parcel Number

Primary APN	`013029 03312`
Alternative APN	`029 03312`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	872 sqft Living Area
1st Floor Area	872 sqft
Basement Area	816 sqft
Finished Basement	408 sqft
Unfinished Basement	408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1994
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	120 ft deep x 175 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	36 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	145 PROSPECT LN
City	HARROGATE
State	TN
Zip	37752-7701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: H01
Jurisdiction	CLAIBORNE TN
Township / Civil Division	7
Census Block Group	1
Census Block	1011
Census Tract	970100

Owner

Source: Claiborne County records, as of January 28, 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	145 PROSPECT LN, HARROGATE, TN 37752-7701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Aug 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 1980
Deed Sale	Oct 21, 1980
Deed Document Number	0000148179
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	145 PROSPECT LN, HARROGATE, TN 37752-7701
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 PROSPECT LN, HARROGATE, TN 37752-7701

Mortgage

Document Number	0001694377
Date	Nov 4, 2025
Book Page	1694/377
Instrument	25018479

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 24, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	145 PROSPECT LN, HARROGATE, TN 37752-7701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1527151
Date	Aug 6, 2019
Book Page	1527/151
Instrument	19192595

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 16, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Claiborne County
Municipality	Harrogate City
Unified School District	Claiborne County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$24,625 (-) Land $3,850 Building $20,775
2024	$576.00 (+16.84%)
2022	$493.00	$24,625 Land $3,850 Building $20,775	$98,500 Land $15,400 Building $83,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 16, 2015 · 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	5 (2002–2020)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Feb 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Feb 2003 · 3 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	High above 70% of the US · above 94% of Tennessee
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ARTHUR-SHAWANEE UTILITY DISTRICT serves 10,037 people · EPA ID TN0000022
Water Source	Surface water
Last State Inspection	May 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
MountaiNet Telephone Company Fiber	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

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