166 Willie Shell Rd, Reliance, TN 37369 Property Records

Polk County property record for 166 Willie Shell Rd, Reliance, TN 37369

Property Summary

Property Type	Single Family Home
Details	1 ba · 766 sqft · built 2024
Lot Size	2.08 acres (91,040 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (May 2023)
Tax Bill	$603 (2025)
Deeds & Mortgages	May 2025 Mortgage May 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070058 02702`

Property Details

APN / Parcel Number

Primary APN	`070058 02702`
Alternative APN	`058 02702`

Interior

Full Baths	1 Bath
Building Area	766 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	208 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Architectural Style	Mobile/Manufactured
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	91,040 sqft (2.08 acres)
Terrain	Rolling
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	166 WILLIE SHELL RD
City	RELIANCE
State	TN
Zip	37369-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: F01
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1047
Census Tract	950204

Owner

Source: Polk County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU
May 2, 2024	Deed of Trust, Mortgage · Non-Conforming Investor Loan CAPSTAR BANK
May 31, 2023	Warranty Deed, Transfer UNKNOWN, CONVEYANCE T&E INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Jun 30, 2003
Deed Document Number	23001351
Deed Book / Page	WD349 / 76
Record Updated	Jun 8, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218

Mortgage

Document Number	0TD607/423
Date	May 28, 2025
Book Page	TD607/423
Instrument	25001271

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	535 CHESTNUT ST, CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.34%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218

Mortgage

Document Number	0TD590/338
Date	May 2, 2024
Book Page	TD590/338
Instrument	24001026

Lender

Name	CAPSTAR BANK
Type	Bank
Address	1201 DEMONBREUN ST STE 700, NASHVILLE, TN 37203

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	May 31, 2023
Property Address	166 WILLIE SHELL RD, RELIANCE, TN 37369-6218
Document Number	00WD349/76
Book / Page	WD349 / 76
Instrument Date	May 26, 2023
Instrument	23001351
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, CONVEYANCE T&E INC

Transaction

Amount	Amount Recorded
Tax	$55.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 2ND ST NE, CLEVELAND, TN 37311-2361

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$603.00	$35,700 (-) Land $2,050 Building $33,650
2024	$603.00 (+626.51%)	$35,700 (+624.87%) Land $2,050 Building $33,650
2023	$83.00 (+27.69%)	$4,925 (+91.26%) Land $2,050 Building $2,875	$142,800 (+1,286.41%) Land $8,200 Building $134,600
2022	$65.00	$2,575 Land $1,625 Building $950	$10,300 Land $6,500 Building $3,800

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 18, 2009 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force

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	Moderate above 66% of the US · above 90% of Tennessee
Wildfire Likelihood	0.2% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE (outdoors only), no 5G reported

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