15 Smith St, Toone, TN 38381 Property Records

Hardeman County property record for 15 Smith St, Toone, TN 38381

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,492 sqft · built 1911
Lot Size	0.453 acres (19,720 sqft)
Owner	Individual Name on File
Tax Bill	$474 (2022)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035034I B 00900`

Property Details

APN / Parcel Number

Primary APN	`035034I B 00900`
Alternative APN	`034I B 00900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,492 sqft Living Area
1st Floor Area	1,168 sqft
Attic	Attic
Attic Area	324 sqft
Basement Area	324 sqft
Finished Basement	324 sqft
Unfinished Basement	324 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1964
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,720 sqft (0.453 acres)
Lot Dimensions	170 ft deep x 116 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 SMITH ST
City	TOONE
State	TN
Zip	38381-7953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 08, COUNTY AREA: A01
Jurisdiction	HARDEMAN TN
Township / Civil Division	8
Census Block Group	2
Census Block	2129
Census Tract	950100

Owner

15 Smith St is owned and occupied by an individual who acquired it in March 2025.

Source: Hardeman County records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	15 SMITH ST, TOONE, TN 38381-7953
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2025
Deed Sale	Mar 18, 2025
Prior Sale	Jun 27, 2002 · Amount on File
Deed Document Number	2025243089
Deed Book / Page	129 / 679
Prior Transfer Date	Mar 10, 2025
Prior Transfer Doc	000129/679
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEMAN TN
Recording Date	Jul 28, 2023
Property Address	15 SMITH ST, TOONE, TN 38381-7953
Document Number	000120/390
Book / Page	120 / 390
Instrument Date	Jul 27, 2023
Instrument	234973
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.10
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SMITH ST, TOONE, TN 38381-7953

Mortgage

Document Number	0000234974
Date	Jul 28, 2023
Instrument	234974

Lender

Name	BRIGHTON BANK
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

Source: Hardeman County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hardeman County
Municipality	Toone Town
Unified School District	Hardeman County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$18,225 Land $1,300 Building $16,925
2023		$18,225 (+56.44%) Land $1,300 Building $16,925	$72,900 (+56.44%) Land $5,200 Building $67,700
2022	$474.00	$11,650 Land $1,075 Building $10,575	$46,600 Land $4,300 Building $42,300

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

Flood

FEMA maps place 15 Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

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

Wildfire risk around 15 Smith St is low, with a 0.04% annual chance of 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	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	TOONE WATER SYSTEM serves 720 people · EPA ID TN0000704
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	1 ppb (2023–2025) 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith St

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