195 Prospect Ln, Harrogate, TN 37752 Property Records

Claiborne County property record for 195 Prospect Ln, Harrogate, TN 37752

Property Summary

Property Type	Mobile Home
Details	1,248 sqft · built 1983
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$21,800 (Dec 2020)
Tax Bill	$180 (2024)
Deeds & Mortgages	May 2026 Line of Credit Jun 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013029 03315`

Property Details

APN / Parcel Number

Primary APN	`013029 03315`
Alternative APN	`029 03315`

Interior

Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Mobile/Manufactured
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	180 ft deep x 140 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	195 PROSPECT LN
City	HARROGATE
State	TN
Zip	37752-7701
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DISTRICT: 06, COUNTY AREA: H01
Jurisdiction	CLAIBORNE TN
Township / Civil Division	7
Census Block Group	1
Census Block	1011
Census Tract	970100

Owner

195 Prospect Ln, a mobile home, is owned and occupied by an individual who bought it in December 2020.

Source: Claiborne County records, as of May 26, 2026

Owner of Record	Individual Name on File
Mailing Address	195 PROSPECT LN, HARROGATE, TN 37752-7701
Occupancy	Owner Occupied
Owner Type	Individual

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 19, 2026	Deed of Trust, Mortgage · Line of Credit EASTMAN CREDIT UNION
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS & MINERS BANK
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS & MINERS BANK
Nov 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage EASTMAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Prior Sale	Jan 15, 1991 · Amount on File
Deed Document Number	20205716
Deed Book / Page	1563 / 34
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Recording Date	May 19, 2026
Property Address	195 PROSPECT LN, HARROGATE, TN 37752-7701
Document Number	0000020840
Book / Page	1709 / 541
Instrument Date	May 13, 2026
Instrument	202620840
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 PROSPECT LN, HARROGATE, TN 37752-7701

Mortgage

Document Number	0000020840,
Date	May 19, 2026
Book Page	1709/541
Instrument	202620840

Lender

Name	EASTMAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 13, 2046

Interest

Rate	6.3%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	195 PROSPECT LN, HARROGATE, TN 37752-7701
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 PROSPECT LN, HARROGATE, TN 37752-7701

Mortgage

Document Number	0001577636
Date	Jun 14, 2021
Book Page	1577/636
Instrument	21008366

Lender

Name	FARMERS & MINERS BANK
Type	Bank
Address	PENNINGTON GAP, VA 24277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 23, 2036

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	195 PROSPECT LN, HARROGATE, TN 37752-7701
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 PROSPECT LN, HARROGATE, TN 37752-7701

Mortgage

Document Number	0001636631
Date	Jul 6, 2023
Book Page	1636/631
Instrument	23008585

Lender

Name	FARMERS & MINERS BANK
Type	Bank
Address	PENNINGTON GAP, VA 24277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2038

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	195 PROSPECT LN, HARROGATE, TN 37752-7701
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 PROSPECT LN, HARROGATE, TN 37752-7701

Mortgage

Document Number	0001644734
Date	Nov 2, 2023
Book Page	1644/734
Instrument	23010040

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Claiborne County assessment roll, as of January 29, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Claiborne County
Municipality	Harrogate City
Unified School District	Claiborne County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$7,675 Land $4,200 Building $3,475
2024	$180.00
2022	$154.00	$7,675 Land $4,200 Building $3,475	$30,700 Land $16,800 Building $13,900

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

FEMA maps place 195 Prospect Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2002.

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	1 in force
Nearby Flood Claims	5 (2002–2020)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Feb 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Feb 2003 · 3 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 195 Prospect Ln is high, ranking above 70% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 94% of Tennessee
Wildfire Likelihood	0.5% 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.

Drinking Water

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

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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
MountaiNet Telephone Company Fiber	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

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