2040 Charley Davis Rd, Prospect, TN 38477 Property Records

Giles County property record for 2040 Charley Davis Rd, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,767 sqft · built 2006
Lot Size	0.919 acres (40,075 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,396 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage Feb 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028132 01902`

Property Details

APN / Parcel Number

Primary APN	`028132 01902`
Alternative APN	`132 01902`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,767 sqft Living Area
1st Floor Area	1,767 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.919 acres)
Garage Type	Finished
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	342 sqft
Patio Area	782 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2040 CHARLEY DAVIS RD
City	PROSPECT
State	TN
Zip	38477-6923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: R01
Legal Subdivision	THOMAS A CAMPBELL 02 SURV
Jurisdiction	GILES TN
Township / Civil Division	2
Census Block Group	1
Census Block	1032
Census Tract	920600

Owner

2040 Charley Davis Rd is owned by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	596 HIGHWAY 412 E, LINDEN, TN 37096-6031
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
Oct 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 1, 2022	Correction Deed
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Jul 16, 2020	Deed of Trust, Construction Loan · Construction Mortgage BANK OF FRANKEWING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022
Deed Sale	Jan 31, 2022
Deed Document Number	0000394173
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2040 CHARLEY DAVIS RD, PROSPECT, TN 38477-6923
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000140901
Date	Oct 19, 2022
Book Page	DT641/16
Instrument	22140901

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	GILES TN
Recording Date	Feb 1, 2022
Property Address	2040 CHARLEY DAVIS RD, PROSPECT, TN 38477-6923
Document Number	0000136608
Book / Page	D394 / 173
Instrument Date	Jan 31, 2022
Instrument	22136608
Record Updated	Feb 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Jan 5, 2022
Property Address	2040 CHARLEY DAVIS RD, PROSPECT, TN 38477-6923
Document Number	0000136158
Book / Page	D393 / 806
Instrument Date	Jan 3, 2021
Instrument	22136158
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	NOT AVAILABLE, GILES T&E SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 CHARLEY DAVIS RD, PROSPECT, TN 38477-6923

Mortgage

Document Number	0000136159
Date	Jan 5, 2022
Instrument	22136159

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	GILES TN
Recording Date	Jul 16, 2020
Property Address	2040 CHARLEY DAVIS RD, PROSPECT, TN 38477-6923
Document Number	0000127423
Book / Page	000599 / 000001
Instrument Date	Jul 13, 2020
Instrument	127423
Transaction Type	Construction Loan
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 CHARLEY DAVIS RD PROSPECT TN 384776923, PROSPECT, TN 38477-6923

Mortgage

Document Number	0000127423
Date	Jul 16, 2020
Book Page	000599/000001
Instrument	127423

Lender

Name	BANK OF FRANKEWING
Type	Bank
Address	FRANKEWING, TN 38459

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2040 Charley Davis Rd was $1,396, up 16% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,396.00 (+16.04%)	$60,575 (-) Land $2,100 Building $58,475
2024	$1,203.00	$60,575 (-) Land $2,100 Building $58,475
2023	$1,203.00 (-5.5%)	$60,575 (-5.5%) Land $2,100 Building $58,475
2022	$1,273.00	$64,100 Land $5,625 Building $58,475	$242,300 Land $8,400 Building $233,900

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

Flood

FEMA maps place 2040 Charley Davis Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2017 · 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	2 in force

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 2040 Charley Davis Rd is low, with a 0.04% annual chance of 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	0.04% 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	MINOR HILL WATER UTILITY DISTRICT serves 8,364 people · EPA ID TN0000469
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Kentucky Rural Telephone Cooperative Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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