Claiborne County property record for 185 River Rd, Harrogate, TN 37752
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,068 sqft · built 1978 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $252,500 (Apr 2022) |
| Tax Bill | $1,126 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015K B 01500 |
| Primary APN | 015K B 01500 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,068 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 205 ft deep x 111 ft wide |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 185 RIVER RD |
|---|---|
| City | HARROGATE |
| State | TN |
| Zip | 37752-7615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 06, COUNTY AREA: H02 |
| Legal Subdivision | UNIVERSITY MANOR |
| Legal Lot Number | 31 |
| Jurisdiction | CLAIBORNE TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 970100 |
185 River Rd is owned and occupied by an individual who bought it in April 2022.
Source: Claiborne County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2022 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Jun 10, 2021 | Warranty Deed, Transfer · USDA Mortgage TOP FLITE FINANCIAL INC |
| Dec 23, 2019 | Warranty Deed, Transfer · Line of Credit FIRST CENTURY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on File |
| Deed Sale | Apr 8, 2022 · Amount on File |
| Prior Sale | Jun 10, 2021 · Amount on File |
| Deed Document Number | 20222523 |
| Deed Book / Page | 1604 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Apr 8, 2022 |
| Property Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| Document Number | 0001604366 |
| Book / Page | 1604 / 366 |
| Map Reference | MB 1 PG 93 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 22002523 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | EASTERN TITLE AND CLOSING SERVICES, EAST TN TITLE & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $934.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| Document Number | 0022002524 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 22002524 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Jun 10, 2021 |
| Property Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| Document Number | 1577482 |
| Book / Page | 1577 / 482 |
| Map Reference | MB 1 PG 93 |
| Instrument Date | Jun 9, 2021 |
| Instrument | 21008326 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $702.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| Document Number | 21008327 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 21008327 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Dec 23, 2019 |
| Property Address | 185 RIVER RD, HARROGATE, TN 37752-7615 |
| Document Number | 0001536316 |
| Book / Page | 1536 / 316 |
| Map Reference | MB 1 PG 93 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 19194274 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $381.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 787 SMOKEY QUARTZ BLVD, NEW TAZEWELL, TN 37825-2366 |
| Investor | Possibly a Property Investor |
| Document Number | 0019194275 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 19194275 |
| Name | FIRST CENTURY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 13, 2039 |
The 2025 property tax bill for 185 River Rd was $1,126.
Source: Claiborne County assessment roll, as of January 29, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Claiborne County |
| Municipality | Harrogate City |
| Unified School District | Claiborne County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,126.00 | $48,100 Land $5,400 Building $42,700 | |
| 2022 | $962.00 | $48,100 Land $5,400 Building $42,700 | $192,400 Land $21,600 Building $170,800 |
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.
FEMA maps place 185 River Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2002.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015 · 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 | 1 in force |
| Nearby Flood Claims | 5 (2002–2020) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Feb 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 185 River Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ARTHUR-SHAWANEE UTILITY DISTRICT serves 10,037 people · EPA ID TN0000022 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Point Broadband Fiber | 1,000 / 1,000 |
| MountaiNet Telephone Company Fiber | 1,000 / 1,000 |
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