204 Bob White Rd, Ocoee, TN 37361 Property Records

Polk County property record for 204 Bob White Rd, Ocoee, TN 37361

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,392 sqft · built 2019
Lot Size	1.83 acres (79,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2020)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Sep 2022 Sale & Reverse Mortgage Jul 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`087G-A-013.00`

Property Details

APN / Parcel Number

Primary APN	`087G-A-013.00`
Alternative APNs	`01087HA087G01300` `070087G A 01300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	3,392 sqft Living Area
Gross Area	3,918 sqft
1st Floor Area	2,840 sqft
Upper Floors Area	552 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Garage Type	Attached
Garage Area	526 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	594 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	204 BOB WHITE RD
City	OCOEE
State	TN
Zip	37361-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCOEE RIDGE PB: 12 PG: 74 LOT: 13
Legal Subdivision	OCOEE RIDGE
Legal Lot Number	13
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1050
Census Tract	950300

Owner

Source: Polk County records, as of March 25, 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	204 BOB WHITE RD, OCOEE, TN 37361-1401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Warranty Deed, Transfer · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 21, 2020	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jun 6, 2018	Deed of Trust, Mortgage FIRST VOLUNTEER BK
May 25, 2018	Loan Modification, Mortgage FIRST VOLUNTEER BK
Jul 6, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK
Jan 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	20201605
Deed Book / Page	323 / 370
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Sep 6, 2022
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Document Number	0WD342/340
Book / Page	WD342 / 340
Map Reference	MB 13 PG 68
Instrument Date	Aug 30, 2022
Instrument	22002612
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 BOB WHITE RD, OCOEE, TN 37361-1401

Mortgage

Document Number	0022002613
Date	Sep 6, 2022
Instrument	22002613

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.03%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jul 21, 2020
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Document Number	0WD323/370
Book / Page	WD323 / 370
Map Reference	MB 12 PG 74
Instrument Date	Jul 17, 2020
Instrument	20001605
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,628.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

Mortgage

Document Number	0020001606
Date	Jul 21, 2020
Instrument	20001606

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Document Number	0000001245
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	EQUI TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 BOB WHITE RD OCOEE TN 37361, OCOEE, TN 37361

Mortgage

Document Number	0000001245
Date	Jun 12, 2018
Book Page	000500/000163
Instrument	1245

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK TN
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Document Number	0000001273
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1230 NORMAN CHAPEL RD NW CLEVELAND TN 373123536, CLEVELAND, TN 37312-3536

Mortgage

Document Number	0000001273
Date	Jun 15, 2018
Book Page	000500/000274
Instrument	1273

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	OCOEE, TN 37361

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 14, 2019

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK TN
Recording Date	Jul 6, 2017
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Book / Page	000489 / 000422
Instrument Date	Jun 29, 2017
Instrument	1432
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1230 NORMAN CHAPEL RD NW CLEVELAND TN 373123536, CLEVELAND, TN 37312-3536

Mortgage

Document Number	0000001432
Date	Jul 6, 2017
Book Page	000489/000422
Instrument	1432

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	OCOEE, TN 37361

Agreement

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

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jan 17, 2017
Property Address	204 BOB WHITE RD, OCOEE, TN 37361-1401
Document Number	0000000114
Book / Page	000300 / 000400
Instrument Date	Jan 13, 2017
Instrument	114
Transaction Type	Transfer
Record Updated	Jan 23, 2017

Transaction

Amount	Amount Recorded
Tax	$136.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	204 BOB WHITE RD OCOEE TN 37361, OCOEE, TN 37361

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	$2,117.00	$125,325 (-) Land $11,050 Building $114,275	$501,300 (-) Land $44,200 Building $457,100
2024	$2,117.00 (-35.48%)	$125,325 (-35.47%) Land $11,050 Building $114,275
2023	$3,281.00 (+25.18%)	$194,225 (+86.17%) Land $13,825 Building $180,400	$501,300 (+20.13%) Land $44,200 Building $457,100
2022	$2,621.00	$104,325 Land $9,125 Building $95,200	$417,300 Land $36,500 Building $380,800

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	5 in force
Nearby Flood Claims	21 (1994–2020)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 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

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

Wildfire Risk	Moderate above 56% of the US · above 75% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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