1851 Upper River Rd NE, Charleston, TN 37310 Property Records

Bradley County property record for 1851 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,769 sqft · built 2020
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$46,900 (Dec 2017)
Tax Bill	$2,045 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030A A 010.00 000`

Property Details

APN / Parcel Number

Primary APN	`030A A 010.00 000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	2,769 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft
Garage Type	Finished
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1851 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 1; RIVER POINTE II
Legal Subdivision	RIVER POINTE II
Legal Lot Number	76 158
Jurisdiction	BRADLEY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	11102

Owner

Source: Bradley County records, as of February 2, 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	1851 UPPER RIVER RD NE, CHARLESTON, TN 37310-6111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CLEVELAND
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF CLEVELAND
Dec 11, 2017	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	17015051
Deed Book / Page	2491 / 474
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	1851 UPPER RIVER RD NE, CHARLESTON, TN 37310-6111
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	EQUI TITLE INC, EQUITITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2804331
Date	Jun 9, 2021
Book Page	2804/331
Instrument	21009811

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	1851 UPPER RIVER RD NE, CHARLESTON, TN 37310-6111
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2691955
Date	Jun 19, 2020
Book Page	2691/955
Instrument	20008354

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37320

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 18, 2021

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADLEY TN
Recording Date	Dec 11, 2017
Property Address	1851 UPPER RIVER RD NE, CHARLESTON, TN 37310-6111
Document Number	2491474
Book / Page	2491 / 474
Map Reference	MB 5 PG 97
Instrument Date	Dec 8, 2017
Instrument	17015051
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	EQUI TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.53
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 WINDERMERE LN NE, CLEVELAND, TN 37323-5490

Mortgage

Document Number	17015052
Date	Dec 11, 2017
Instrument	17015052

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,045.00 (+10.06%)	$165,900 (+60.14%) Land $13,750 Building $152,150	$663,600 (+60.14%) Land $55,000 Building $608,600
2024	$1,858.00	$103,600 (-) Land $10,000 Building $93,600
2023	$1,858.00	$103,600 (-) Land $10,000 Building $93,600
2022	$1,858.00	$103,600 Land $10,000 Building $93,600	$414,400 (-) Land $40,000 Building $374,400
2021			$414,400 Land $40,000 Building $374,400

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 November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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 45% of the US · above 62% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

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

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