177 Bob White Rd, Ocoee, TN 37361 Property Records

Polk County property record for 177 Bob White Rd, Ocoee, TN 37361

Property Summary

Property Type	Single Family Home
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Mar 2023)
Tax Bill	$272 (2025)
Deeds & Mortgages	Oct 2025 Construction Loan Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`087G-A-036.00`

Property Details

APN / Parcel Number

Primary APN	`087G-A-036.00`
Alternative APNs	`01087HA087G03600` `070087G A 03600`

Exterior

Lot Area	111,078 sqft (2.55 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	177 BOB WHITE RD
City	OCOEE
State	TN
Zip	37361-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCOEE RIDGE PB: 13 PG: 68 LOT: 36
Legal Subdivision	OCOEE RIDGE
Legal Lot Number	36
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1083
Census Tract	950300

Owner

177 Bob White Rd is owned by two individuals who bought it in March 2023.

Source: Polk County records, as of March 25, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	501 OLD BRIDGE RD, WARNER ROBINS, GA 31088-1191
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Construction Mortgage THE FEDERAL SAVINGS BANK
Mar 20, 2023	Warranty Deed, Transfer RIVER VALLEY AGCREDIT ACA
Nov 19, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage RIVER VALLEY AGCREDIT ACA
Jun 19, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Prior Sale	Nov 19, 2020 · Amount on File
Deed Document Number	2023669
Deed Book / Page	347 / 135
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	177 BOB WHITE RD, OCOEE, TN 37361-1405
Transaction Type	Mortgage
Record Updated	Nov 10, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 OLD BRIDGE RD, WARNER ROBINS, GA 31088-1191

Mortgage

Document Number	00002/2883
Date	Oct 9, 2025
Book Page	2/2883
Instrument	25002505

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	4120 W DIVERSEY AVE STE C501, CHICAGO, IL 60639

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Nov 1, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Mar 20, 2023
Property Address	177 BOB WHITE RD, OCOEE, TN 37361-1405
Document Number	0WD347/135
Book / Page	WD347 / 135
Map Reference	MB 13 PG 68
Instrument Date	Mar 16, 2023
Instrument	23000669
Transaction Type	Transfer
Record Updated	May 16, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 OLD BRIDGE RD, WARNER ROBINS, GA 31088-1191

Mortgage

Document Number	0023000670
Date	Mar 20, 2023
Instrument	23000670

Lender

Name	RIVER VALLEY AGCREDIT ACA
Type	Bank

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2033

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Nov 19, 2020
Property Address	177 BOB WHITE RD, OCOEE, TN 37361-1405
Document Number	0WD326/300
Book / Page	WD326 / 300
Map Reference	MB 13 PG 68
Instrument Date	Nov 13, 2020
Instrument	20002813
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WATERSTONE DR, BENTON, TN 37307-4776

Mortgage

Document Number	0020002814
Date	Nov 19, 2020
Instrument	20002814

Lender

Name	RIVER VALLEY AGCREDIT ACA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2030

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jun 19, 2020
Property Address	177 BOB WHITE RD, OCOEE, TN 37361-1405
Document Number	0000001343
Book / Page	000323 / 000091
Instrument Date	Jun 16, 2020
Instrument	1343
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$157.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 14TH ST NW CLEVELAND TN 373114408, CLEVELAND, TN 37311-4408

Tax Assessment & Valuation

The 2025 property tax bill for 177 Bob White Rd was $272.

Source: Polk County assessment roll, as of December 3, 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	$272.00	$16,100 (-) Land $16,100	$64,400 Land $64,400
2024	$272.00	$16,100 (-) Land $16,100
2023	$272.00 (-26.68%)	$16,100 (+9.15%) Land $16,100	$64,400 (+9.15%) Land $64,400
2022	$371.00	$14,750 Land $14,750	$59,000 Land $59,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 177 Bob White Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1994.

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	21 (1994–2020)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 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

Wildfire risk around 177 Bob White Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · above 76% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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