191 Athens Rd, Delano, TN 37325 Property Records

Polk County property record for 191 Athens Rd, Delano, TN 37325

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,456 sqft · built 2000
Lot Size	5.81 acres (253,084 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Feb 2021)
Tax Bill	$2,702 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-027.23`

Property Details

APN / Parcel Number

Primary APN	`016-027.23`
Alternative APNs	`0101601602723` `070016 02723`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,456 sqft Living Area
Gross Area	4,608 sqft
1st Floor Area	2,304 sqft
Basement Area	2,304 sqft
Finished Basement	1,152 sqft
Unfinished Basement	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	253,084 sqft (5.81 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	4,800 sqft
Parking Spaces	19 Parking Spaces
Porch	Finished/Open Porch
Porch Area	1,008 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	191 ATHENS RD
City	DELANO
State	TN
Zip	37325-7511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12
Legal Subdivision	LOT 12
Legal Lot Number	12
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2048
Census Tract	950201

Owner

Source: Polk County records, as of September 29, 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	191 ATHENS RD, DELANO, TN 37325-7511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Feb 17, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Prior Sale	Aug 30, 2002 · Amount on Record
Deed Document Number	2021485
Deed Book / Page	328 / 287
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Recording Date	Sep 23, 2026
Property Address	191 ATHENS RD, DELANO, TN 37325-7511
Document Number	0000002986
Book / Page	8 / 1934
Instrument Date	Sep 16, 2026
Instrument	20262986
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 ATHENS RD, DELANO, TN 37325-7511

Mortgage

Document Number	0000002986,
Date	Sep 23, 2026
Book Page	8/1934
Instrument	20262986

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Feb 17, 2021
Property Address	191 ATHENS RD, DELANO, TN 37325-7511
Document Number	0WD328/287
Book / Page	WD328 / 287
Instrument Date	Feb 11, 2021
Instrument	21000485
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	FOUNDATION TITLE ESCROW CHATTA, FOUNDATION T&E CHATTANOOGA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 ATHENS RD, DELANO, TN 37325-7511

Mortgage

Document Number	0021000486
Date	Feb 17, 2021
Instrument	21000486

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,702.00	$159,950 (-) Land $6,475 Building $153,475	$639,800 (-) Land $25,900 Building $613,900
2024	$2,702.00 (+45.27%)	$159,950 (+45.31%) Land $6,475 Building $153,475
2023	$1,860.00 (+9.28%)	$110,075 (+62.47%) Land $6,475 Building $103,600	$639,800 (+136.09%) Land $25,900 Building $613,900
2022	$1,702.00	$67,750 Land $6,475 Building $61,275	$271,000 Land $25,900 Building $245,100

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · 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	7 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 67% 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	ETOWAH UTILITIES serves 12,851 people · EPA ID TN0000233
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	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	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 12 locations within half a mile, as of December 31, 2025

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

May also be available: Twin Lakes.

Cell Coverage

5G and 4G LTE (outdoors only)

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