164 Ruby Ave, Elizabethton, TN 37643 Property Records

Carter County property record for 164 Ruby Ave, Elizabethton, TN 37643

Property Summary

Property Type	Single Family Home
Details	1 ba · 672 sqft · built 1950
Lot Size	50 acres (2,178,000 sqft)
Owner	Individual Name on Record
Last Sale	$10,512 (Jan 2022)
Tax Bill	$218 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`010049L A 02900`

Property Details

APN / Parcel Number

Primary APN	`010049L A 02900`
Alternative APN	`049L A 02900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1988
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,178,000 sqft (50 acres)
Lot Dimensions	175 ft deep x 50 ft wide
Terrain	High
Porch	Enclosed Porch
Porch Area	121 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	164 RUBY AVE
City	ELIZABETHTON
State	TN
Zip	37643-7263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14, COUNTY AREA: V02
Legal Subdivision	MILLER SUB
Legal Block	3
Legal Lot Number	84 85
Jurisdiction	CARTER TN
Township / Civil Division	6
Census Block Group	2
Census Block	2003
Census Tract	70600

Owner

Source: Carter County records, as of January 26, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit SOUTHERN FINANCE & THRIFT CORP
Jan 26, 2022	Deed, Transfer
Apr 3, 2020	Warranty Deed, Transfer SOUTHERN FIN & THRIFT
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN FIN & THRIFT
Mar 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN FIN & THRIFT
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN FIN & THRIFT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2022 · Amount on Record
Deed Sale	Jan 26, 2022 · Amount on Record
Prior Sale	Apr 3, 2020 · Amount on Record
Deed Document Number	22000571
Deed Book / Page	472 / 98
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000120
Date	Jan 8, 2024
Book Page	548/862
Instrument	24000120

Lender

Name	SOUTHERN FINANCE & THRIFT CORP
Address	ELIZABETHTON, TN 37643

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER TN
Recording Date	Jan 26, 2022
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000000571
Book / Page	472 / 98
Map Reference	MB 2 PG 130
Instrument Date	Jan 24, 2022
Instrument	22000571
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER TN
Recording Date	Apr 3, 2020
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000001968
Book / Page	000383 / 000525
Instrument Date	Apr 2, 2020
Instrument	1968
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$38.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 RUBY AVE ELIZABETHTON TN 376437263, ELIZABETHTON, TN 37643-7263

Mortgage

Document Number	1969
Date	Apr 3, 2020
Book Page	000383/000528
Instrument	1969

Lender

Name	SOUTHERN FIN & THRIFT
Type	Funding / Finance Company
Address	ELIZABETHTON, TN 37643

Agreement

Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000006338
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 RUBY AVE ELIZABETHTON TN 376437263, ELIZABETHTON, TN 37643-7263

Mortgage

Document Number	0000006338
Date	Oct 24, 2019
Book Page	000367/000468
Instrument	6338

Lender

Name	SOUTHERN FIN & THRIFT
Type	Funding / Finance Company
Address	ELIZABETHTON, TN 37643

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000001780
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001780
Date	Mar 29, 2018
Book Page	000311/000988
Instrument	1780

Lender

Name	SOUTHERN FIN & THRIFT
Type	Funding / Finance Company
Address	ELIZABETHTON, TN 37643

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	164 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000004613
Book / Page	000292 / 000333
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004613
Date	Aug 2, 2017
Book Page	000292/000333
Instrument	4613

Lender

Name	SOUTHERN FIN & THRIFT
Type	Funding / Finance Company
Address	ELIZABETHTON, TN 37643

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$218.00 (+7.39%)	$10,000 (-) Land $2,400 Building $7,600
2023		$10,000 (-) Land $2,400 Building $7,600
2022	$203.00	$10,000 Land $2,400 Building $7,600	$40,000 (-) Land $9,600 Building $30,400
2021			$40,000 Land $9,600 Building $30,400

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 February 14, 2025 · 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	7 in force
Nearby Flood Claims	7 (1998–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Severe Storms And Flooding, Jan 1998 · 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	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% 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	ELIZABETHTON WATER DEPT serves 32,490 people · EPA ID TN0000221
Water Source	Purchased surface water from WATAUGA RIVER REG WATER AUTH
Last State Inspection	Feb 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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