196 Point Way, Saltillo, TN 38370 Property Records

Hardin County property record for 196 Point Way, Saltillo, TN 38370

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft · built 1974
Lot Size	0.228 acres (9,960 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Sep 2020)
Tax Bill	$392 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`036028A A 02200`

Property Details

APN / Parcel Number

Primary APN	`036028A A 02200`
Alternative APN	`028A A 02200`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Flooring	Softwood
Interior Walls	Paneling

Exterior

Year Built	Built 1974
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,960 sqft (0.228 acres)
Lot Dimensions	166 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	636 sqft
Shed	1 Shed
Shed Area	300 sqft
Boat House	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	196 POINT WAY
City	SALTILLO
State	TN
Zip	38370-5343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE OAK 14
Legal Subdivision	WHITE OAK
Legal Lot Number	14
Jurisdiction	HARDIN TN
Township / Civil Division	5
Census Block Group	1
Census Block	1154
Census Tract	920200

Owner

196 Point Way is owned by two individuals who bought it in September 2020.

Source: Hardin County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12215 FOX LAIR DR, COLLIERVILLE, TN 38017-9747
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Jun 10, 2008 · Amount on File
Deed Document Number	0000744511
Deed Book / Page	744 / 511
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN TN
Recording Date	Sep 25, 2020
Property Address	196 POINT WAY, SALTILLO, TN 38370-5343
Document Number	0000744511
Book / Page	744 / 511
Instrument Date	Sep 25, 2020
Instrument	149748
Transaction Type	Transfer
Record Updated	Mar 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$582.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12215 FOX LAIR DR, COLLIERVILLE, TN 38017-9747

Mortgage

Document Number	0000149749
Date	Sep 25, 2020
Instrument	149749

Lender

Name	BANKTENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 196 Point Way was $392.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$392.00	$22,375 Land $9,375 Building $13,000
2023	$392.00 (+19.51%)	$22,375 (+40.5%) Land $9,375 Building $13,000	$89,500 (+40.5%) Land $37,500 Building $52,000
2022	$328.00	$15,925 Land $6,875 Building $9,050	$63,700 Land $27,500 Building $36,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 196 Point Way in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 16, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	49 (1980–2019)
Claims Outside the SFHA	2 of 49
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 7 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims Severe Storms & Flooding, Dec 1990 · 9 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 196 Point Way is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	0.03% 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	SALTILLO UTILITY DISTRICT serves 2,216 people · EPA ID TN0000606
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	4 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	1 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LexNet Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Point Way

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