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197 Main St, Copperhill, TN 37317 Property Records

Polk County property record for 197 Main St, Copperhill, TN 37317

Property Summary

Property TypeSingle Family Home
Details1 ba · 782 sqft · built 1900
Lot Size0.149 acres (6,497 sqft)
Owner2 Individual Names on File
Last Sale$180,000 (Jun 2026)
Tax Bill$678 (2025)
Deeds & MortgagesJun 2026 Sale
May 2026 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN115F-A-016.00

Property Details

APN / Parcel Number

Primary APN115F-A-016.00
Alternative APNs
  • 03115FA115F01600
  • 070115F A 01600

Interior

Full Baths1 Bath
Stories1 Story
Building Area782 sqft Living Area
1st Floor Area782 sqft
Utility RoomUtility Room
FlooringSoftwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1995
Architectural StyleCustom Design
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,497 sqft (0.149 acres)
Lot Dimensions102 ft deep x 66 ft wide
Garage TypeCarport
Garage Area336 sqft
CarportCarport
Carport Area336 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area96 sqft

Utilities, Heating & Cooling

Heating SystemRadiant
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address197 MAIN ST
CityCOPPERHILL
StateTN
Zip37317-4067
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description66X102
Legal Lot Number160
JurisdictionPOLK TN
Township / Civil Division3
Census Block Group1
Census Block1016
Census Tract950400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Buzzard's Roost Historic District
listed 1992 · 57 contributing resources · NRIS 92000451

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

197 Main St is owned by two individuals who bought it in June 2026.

Source: Polk County records, as of August 24, 2026

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 222, DUCKTOWN, TN 37326-0222
Owner TypeIndividual
VestingHusband 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

DateDocument
Jun 1, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
May 29, 2026Warranty Deed, Transfer · Conventional Mortgage
NONE LISTED ON DOCUMENT
Feb 16, 2023Warranty Deed, Transfer · FHA Mortgage
VANDERBILT MORTGAGE & FINANCE INC
Apr 19, 2022Warranty Deed, Transfer
Mar 14, 2022Quit Claim Deed, Transfer
Quitclaim
Jun 10, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2026 · Amount on File
Deed SaleJun 1, 2026 · Amount on File
Prior SaleMay 29, 2026 · Amount on File
Deed Document Number20261637
Deed Book / Page6 / 1735
Prior Transfer DateFeb 10, 2022
Prior Transfer Doc0WD338/235
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK TN
Recording DateJun 1, 2026
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0000001637
Book / Page6 / 1735
Instrument DateMay 28, 2026
Instrument20261637
Transaction TypeTransfer
Record UpdatedJun 5, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$67,266.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK TN
Recording DateMay 29, 2026
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0000001598
Book / Page6 / 1486
Instrument DateMay 28, 2026
Instrument20261598
Transaction TypeTransfer
Record UpdatedJun 5, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$67,266.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001599,
DateMay 29, 2026
Book Page6/1489
Instrument20261599
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

Mortgage

Document Number0000001638,
DateJun 1, 2026
Book Page6/1738
Instrument20261638
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term30 Months
DueJun 1, 2056
Interest
Rate6.3%
Max Rate-1%

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK TN
Recording DateFeb 16, 2023
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0WD346/199
Book / PageWD346 / 199
Instrument DateFeb 14, 2023
Instrument23000377
Transaction TypeTransfer
Record UpdatedMar 1, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$513.93
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 MAIN ST, COPPERHILL, TN 37317-4067

Mortgage

Document Number0TD572/183
DateFeb 16, 2023
Book PageTD572/183
Instrument23000378
Lender
NameVANDERBILT MORTGAGE & FINANCE INC
TypeMortgage Company
AddressATLANTA, GA 30361
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2053

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK TN
Recording DateApr 19, 2022
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0WD339/214
Book / PageWD339 / 214
Instrument DateApr 11, 2022
Instrument22001253
Transaction TypeTransfer
Record UpdatedFeb 10, 2023

Transaction

AmountAmount on Record
Tax$518.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address806 HAY DR, MORGANTON, GA 30560-2883

March 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK TN
Recording DateMar 14, 2022
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0WD338/235
Book / PageWD338 / 235
Instrument DateFeb 10, 2022
Instrument22000818
Transaction TypeTransfer
Record UpdatedFeb 10, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address29544 VILLA TUSCANY DR, WESLEY CHAPEL, FL 33545-3800

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK TN
Recording DateJun 10, 2020
Property Address197 MAIN ST, COPPERHILL, TN 37317-4067
Document Number0000001267
Book / Page000323 / 000034
Instrument DateJun 8, 2020
Instrument1267
Transaction TypeTransfer
Record UpdatedAug 12, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$104.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address29544 VILLA TUSCANY DR WESLEY CHAPEL FL 335453800, WESLEY CHAPEL, FL 33545-3800

Tax Assessment & Valuation

The 2025 property tax bill for 197 Main St was $678.

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

Property Jurisdictions

TypeName
StateTennessee
CountyPolk County
MunicipalityDucktown City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$678.00$29,725 (-) Land $4,775 Building $24,950$118,900 Land $19,100 Building $99,800
2024$678.00 (-24.33%)$29,725 (-) Land $4,775 Building $24,950
2023$896.00 (+227.01%)$29,725 (+259.21%) Land $4,775 Building $24,950$118,900 (+259.21%) Land $19,100 Building $99,800
2022$274.00$8,275 Land $975 Building $7,300$33,100 Land $3,900 Building $29,200

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 197 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 197 Main St is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskModerate
above 68% of the US · above 93% of Tennessee
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCOPPER BASIN UTILITY DISTRICT
serves 2,710 people · EPA ID TN0000844
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 95 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
ETC
Fiber · Cable		2,500 / 2,500
Verizon
Fixed Wireless		300 / 20

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