185 Cedar Oak Ln, Henderson, TN 38340 Property Records

Chester County property record for 185 Cedar Oak Ln, Henderson, TN 38340

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,931 sqft · built 2000
Lot Size	4.34 acres (189,050 sqft)
Owner	Individual Name on File
Tax Bill	$1,903 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012056 01211`

Property Details

APN / Parcel Number

Primary APN	`012056 01211`
Alternative APN	`056 01211 00003056`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,931 sqft Living Area
1st Floor Area	2,231 sqft
Basement Area	2,231 sqft
Finished Basement	2,231 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	189,050 sqft (4.34 acres)
Terrain	Rolling
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	1,160 sqft
Deck Area	342 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	185 CEDAR OAK LN
City	HENDERSON
State	TN
Zip	38340-4755
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: R50
Jurisdiction	CHESTER TN
Township / Civil Division	1
Census Block Group	2
Census Block	2015
Census Tract	970102

Owner

185 Cedar Oak Ln is owned and occupied by an individual who acquired it in October 2005.

Source: Chester County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	185 CEDAR OAK LN, HENDERSON, TN 38340-4755
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2005
Deed Sale	Oct 28, 2005
Deed Book / Page	275 / 518
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Recording Date	Apr 20, 2026
Property Address	185 CEDAR OAK LN, HENDERSON, TN 38340-4755
Document Number	0000081667
Book / Page	546 / 533
Instrument Date	Apr 13, 2026
Instrument	202681667
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CEDAR OAK LN, HENDERSON, TN 38340-4755

Mortgage

Document Number	0000081667,
Date	Apr 20, 2026
Book Page	546/533
Instrument	202681667

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESTER TN
Recording Date	Nov 28, 2022
Property Address	185 CEDAR OAK LN, HENDERSON, TN 38340-4755
Document Number	0005000001
Book / Page	500 / 1
Instrument Date	Oct 18, 2022
Instrument	72269
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CEDAR OAK LN, HENDERSON, TN 38340-4755

Mortgage

Document Number	0000072270
Date	Nov 28, 2022
Instrument	72270

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 185 Cedar Oak Ln was $1,903.

Source: Chester County assessment roll, as of July 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,903.00	$93,450 (-)	$373,800 (-) Land $41,000 Building $332,800
2025	$1,903.00	$93,450	$373,800 Land $41,000 Building $332,800
2023	$1,590.00	$63,975	$255,900 Land $31,200 Building $224,700

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

Flood

FEMA maps place 185 Cedar Oak Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 4, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 185 Cedar Oak Ln 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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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