1906 Shell Rd, Hendersonville, TN 37075 Property Records

Sumner County property record for 1906 Shell Rd, Hendersonville, TN 37075

Property Summary

Property Type	Rural Home
Details	1.5 ba · 1,331 sqft · built 1987
Lot Size	20.8 acres (909,968 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (May 2019)
Tax Bill	$1,392 (2025)
Deeds & Mortgages	May 2019 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083117 04501`

Property Details

APN / Parcel Number

Primary APN	`083117 04501`
Alternative APN	`117 04501`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,331 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	832 sqft
Upper Floors Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	909,968 sqft (20.8 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,536 sqft
Driveway	Driveway
Driveway Area	2,870 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	448 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	1,800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1906 SHELL RD
City	HENDERSONVILLE
State	TN
Zip	37075-8417
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	RB SENT DOWN 2/12/15 ON 5.00 / FP #190 FOR 2016
Jurisdiction	SUMNER TN
Township / Civil Division	11
Census Block Group	1
Census Block	1010
Census Tract	21005

Owner

1906 Shell Rd, a rural home, is owned and occupied by an individual who bought it in May 2019.

Source: Sumner County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1906 SHELL RD, HENDERSONVILLE, TN 37075-8417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
May 22, 2019	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jul 2, 2018	Warranty Deed, Transfer CHAPMAN AND ROSENTHAL TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	20191268470
Deed Book / Page	4943 / 48
Prior Transfer Date	Apr 18, 2014
Prior Transfer Doc	0039370692
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1906 SHELL RD, HENDERSONVILLE, TN 37075-8417
Transaction Type	Mortgage
Record Updated	Oct 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049470205
Date	May 22, 2019
Book Page	4947/205
Instrument	1269214

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Apr 29, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1906 SHELL RD, HENDERSONVILLE, TN 37075-8417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053020800
Date	Aug 10, 2020
Book Page	5302/800
Instrument	1323113

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jul 2, 2018
Property Address	1906 SHELL RD, HENDERSONVILLE, TN 37075-8417
Document Number	0047690455
Book / Page	004769 / 000455
Instrument Date	Jun 28, 2018
Instrument	1237297
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	CHAPMAN AND ROSENTHAL TITLE INC

Transaction

Amount	Amount on Record
Tax	$1,720.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1906 SHELL RD HENDERSONVILLE TN 370758417, HENDERSONVILLE, TN 37075-8417

Tax Assessment & Valuation

The 2025 property tax bill for 1906 Shell Rd was $1,392.

Source: Sumner County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,392.00 Additional exemption filed	$97,975 Land $27,275 Building $70,700
2024			$563,900 Land $281,100 Building $282,800
2023	$2,161.00 (-0.46%) Additional exemption filed	$95,975 (-) Land $19,150 Building $76,825
2022	$2,171.00	$95,975 Land $19,150 Building $76,825
2021			$383,900 Land $76,600 Building $307,300

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

Flood

FEMA maps place 1906 Shell Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective July 12, 2024 · 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	6 in force
Nearby Flood Claims	3 (2010–2017)
Most Recent Claim	Sep 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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 1906 Shell Rd is low, with a 0.01% annual chance of 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	0.01% 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	WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cumberland Connect Fiber	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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