Claiborne County property record for 187 Madison Cir, Harrogate, TN 37752
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,732 sqft · built 1980 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Sep 2026) |
| Tax Bill | $1,045 (2024) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029J D 00700 |
| Primary APN | 029J D 00700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,732 sqft Living Area |
| 1st Floor Area | 1,820 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 138 ft deep x 168 ft wide |
| Terrain | Low |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Carport Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 187 MADISON CIR |
|---|---|
| City | HARROGATE |
| State | TN |
| Zip | 37752-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 06, 118-716, COUNTY AREA: A02 |
| Legal Subdivision | RIVERVIEW |
| Legal Lot Number | 7 |
| Jurisdiction | CLAIBORNE TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 970300 |
187 Madison Cir is owned and occupied by two individuals who bought it in September 2026.
Source: Claiborne County records, as of September 18, 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 | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 10, 2026 | Bargain and Sale Deed, Transfer · FHA Mortgage MORTGAGE INC |
| Sep 21, 2023 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 13, 2022 | Warranty Deed, Transfer · VA Mortgage GATEWAY FIRST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on File |
| Deed Sale | Sep 10, 2026 · Amount on File |
| Prior Sale | Sep 21, 2023 · Amount on File |
| Deed Document Number | 202622376 |
| Deed Book / Page | 1719 / 337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Sep 10, 2026 |
| Property Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0000022376 |
| Book / Page | 1719 / 337 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202622376 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115,847.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0000022377, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 202622377 |
| Name | MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Sep 21, 2023 |
| Property Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0000164225 |
| Book / Page | 1642 / 25 |
| Map Reference | MB 2 PG 29 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 23009535 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2023 |
| Title Company | UNITY TITLE AND ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,054.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0023009536 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | 23009536 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Number | 0000164246 |
|---|---|
| Date | Sep 21, 2023 |
| Book Page | 1642/46 |
| Instrument | 23009537 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Apr 13, 2022 |
| Property Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0001604618 |
| Book / Page | 1604 / 618 |
| Map Reference | MB 2 PG 29 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 22002593 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $816.96 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 187 MADISON CIR, HARROGATE, TN 37752-7915 |
| Document Number | 0022002594 |
|---|---|
| Date | Apr 13, 2022 |
| Instrument | 22002594 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
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 | $44,675 Land $4,125 Building $40,550 | ||
| 2024 | $1,045.00 | ||
| 2022 | $894.00 | $44,675 Land $4,125 Building $40,550 | $178,700 Land $16,500 Building $162,200 |
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 187 Madison Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.
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 | 3 in force |
| Nearby Flood Claims | 2 (2001–2003) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2003 · Severe Storms And Flooding |
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 187 Madison Cir is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 88% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 129 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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