198 W Third St, Henderson, TN 38340 Property Records

Chester County property record for 198 W Third St, Henderson, TN 38340

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 868 sqft · built 1965
Lot Size	7.82 acres (340,639 sqft)
Owner	Company Name on Record
Tax Bill	$3,778 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012033K B 00101`

Property Details

APN / Parcel Number

Primary APN	`012033K B 00101`
Alternative APN	`033K B 00101 00006033N`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	868 sqft Total Area
1st Floor Area	868 sqft
Basement Area	868 sqft
Finished Basement	868 sqft
Flooring	Asbestos (Tiles, Sheet)
Interior Walls	Masonry

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	340,639 sqft (7.82 acres)
Granary	7,000 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	198 W THIRD ST
City	HENDERSON
State	TN
Zip	38340-1826
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	M1
Legal Description	DISTRICT: 06, COUNTY AREA: H70
Jurisdiction	CHESTER TN
Township / Civil Division	4
Census Block Group	2
Census Block	2001
Census Tract	970200

Owner

Source: Chester County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN BANK
Dec 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST SOUTHERN BANK
Oct 30, 2020	Loan Modification, Mortgage FIRST BK
Oct 30, 2019	Loan Modification, Mortgage FIRST BK
Nov 5, 2018	Loan Modification, Consolidation and Extension, Mortgage FIRST BK
Nov 6, 2017	Loan Modification, Mortgage · Line of Credit FIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 W THIRD ST, HENDERSON, TN 38340-1826

Mortgage

Document Number	0005110349
Date	Nov 17, 2023
Book Page	511/349
Instrument	74756

Lender

Name	FIRST SOUTHERN BANK
Type	Bank
Address	FLORENCE, AL 35630

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004850179
Date	Dec 6, 2021
Book Page	485/179
Instrument	69205

Lender

Name	FIRST SOUTHERN BANK
Type	Bank
Address	FLORENCE, AL 35630

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHESTER TN
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Document Number	0004660298
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	198 W THIRD ST HENDERSON TN 383401826, HENDERSON, TN 38340-1826

Mortgage

Document Number	0004660298
Date	Nov 2, 2020
Book Page	000466/000298
Instrument	65605

Lender

Name	FIRST BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2021

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHESTER TN
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Document Number	0004510785
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	198 W THIRD ST HENDERSON TN 383401826, HENDERSON, TN 38340-1826

Mortgage

Document Number	0004510785
Date	Nov 1, 2019
Book Page	000451/000785
Instrument	62779

Lender

Name	FIRST BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 31, 2020

November 2018: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	CHESTER TN
Recording Date	Nov 5, 2018
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Document Number	0004390215
Book / Page	000439 / 000215
Instrument Date	Oct 30, 2018
Instrument	60143
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	198 W THIRD ST HENDERSON TN 383401826, HENDERSON, TN 38340-1826

Mortgage

Document Number	4390215
Date	Nov 5, 2018
Book Page	000439/000215
Instrument	60143

Lender

Name	FIRST BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Nov 4, 2019

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHESTER TN
Recording Date	Nov 6, 2017
Property Address	198 W THIRD ST, HENDERSON, TN 38340-1826
Document Number	0004270261
Book / Page	000427 / 000261
Instrument Date	Oct 31, 2017
Instrument	57654
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	198 W THIRD ST HENDERSON TN 383401826, HENDERSON, TN 38340-1826

Mortgage

Document Number	4270261
Date	Nov 6, 2017
Book Page	000427/000261
Instrument	57654

Lender

Name	FIRST BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 5, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Chester County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Chester County
Municipality	Henderson City
Unified School District	Chester County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,778.00 (+18.17%)	$185,520 (+44.26%)	$463,800 (+44.26%) Land $46,900 Building $416,900
2023	$3,197.00	$128,600	$321,500 Land $39,100 Building $282,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 4, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	0.02% 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	HENDERSON WATER DEPT serves 8,924 people · EPA ID TN0000293
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Aeneas Communications Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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