186 Locker Rd, Summertown, TN 38483 Property Records

Lawrence County property record for 186 Locker Rd, Summertown, TN 38483

Property Summary

Property Type	Rural Home
Details	2 ba · 1,998 sqft · built 1997
Lot Size	37.9 acres (1,651,795 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,481 (2025)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050008 02108`

Property Details

APN / Parcel Number

Primary APN	`050008 02108`
Alternative APN	`008 02108`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,998 sqft Living Area
1st Floor Area	2,055 sqft
Upper Floors Area	999 sqft
Basement Area	999 sqft
Unfinished Basement	999 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,651,795 sqft (37.9 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	80 sqft
Patio Area	485 sqft
Pole Barn	1,100 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	186 LOCKER RD
City	SUMMERTOWN
State	TN
Zip	38483-7254
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 11
Jurisdiction	LAWRENCE TN
Township / Civil Division	11
Census Block Group	1
Census Block	1049
Census Tract	960100

Owner

Source: Lawrence County records, as of January 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 273, SUMMERTOWN, TN 38483-0273
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2001
Deed Sale	Apr 6, 2001
Deed Document Number	000RB41552
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	186 LOCKER RD, SUMMERTOWN, TN 38483-7254
Document Number	508341
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 LOCKER RD SUMMERTOWN TN 384837254, SUMMERTOWN, TN 38483-7254

Mortgage

Document Number	508341
Date	Jun 1, 2017
Book Page	000508/000341
Instrument	2837

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,481.00 Additional exemption filed	$73,675 (-) Land $12,900 Building $60,775
2023	$1,481.00 Additional exemption filed	$73,675 (-) Land $12,900 Building $60,775
2022	$1,481.00	$73,675 Land $12,900 Building $60,775	$381,800 Land $138,700 Building $243,100

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 17, 2016 · 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

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	Low lower than 80% of the US · lower than 72% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUMMERTOWN UTILITY DISTRICT serves 5,593 people · EPA ID TN0000676
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2025) action level 15 ppb
Copper	2.19 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control May 2018
Monitoring and Reporting	5 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

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

Nearby Properties on Locker Rd

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