2227 Black Rd, Prospect, TN 38477 Property Records

Giles County property record for 2227 Black Rd, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 2,400 sqft · built 2018
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Aug 2025)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2017 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028147 02404`

Property Details

APN / Parcel Number

Primary APN	`028147 02404`
Alternative APN	`147 02404`

Interior

Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,400 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Metal
Lot Area	87,120 sqft (2 acres)

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2227 BLACK RD
City	PROSPECT
State	TN
Zip	38477-6937
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	GILES TN
Township / Civil Division	2
Census Block Group	1
Census Block	1046
Census Tract	920600

Owner

2227 Black Rd is owned and occupied by an individual who bought it in August 2025.

Source: Giles County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Aug 1, 2025	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Jul 17, 2017	Deed of Trust, Mortgage · Construction Mortgage PEOPLES STATE BANK OF COMMERCE
Oct 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage FNB BANK
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit FNB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	Jan 9, 2025 · Amount on File
Deed Document Number	2025154063
Deed Book / Page	412 / 782
Prior Transfer Date	Sep 17, 2024
Prior Transfer Doc	0000149867
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Aug 1, 2025
Property Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Document Number	0000154063
Book / Page	D412 / 782
Instrument Date	Aug 1, 2025
Instrument	25154063
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	METROPOLITAN ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 BLACK RD, PROSPECT, TN 38477-6937

Mortgage

Document Number	0000154064
Date	Aug 1, 2025
Instrument	25154064

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112998
Date	Jul 17, 2017
Book Page	DT557/151
Instrument	17112998

Lender

Name	PEOPLES STATE BANK OF COMMERCE
Type	Bank
Address	ARDMORE, TN 38449

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 7, 2018

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118834
Date	Oct 9, 2018
Book Page	DT573/001
Instrument	18118834

Lender

Name	FNB BANK
Type	Bank
Address	SCOTTSBORO, AL 35768

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	HIGHLAND CMNTY TITLE LLC, HIGHLAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133568
Date	Jul 28, 2021
Book Page	DT618/159
Instrument	21133568

Lender

Name	ACOPIA LLC
Type	Mortgage Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2031

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2227 BLACK RD, PROSPECT, TN 38477-6937
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 BLACK RD, PROSPECT, TN 38477-6937

Mortgage

Document Number	0000130532
Date	Feb 4, 2021
Book Page	DT609/79
Instrument	21130532

Lender

Name	FNB BANK
Type	Bank
Address	ARDMORE, TN 38449

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2227 Black Rd was $1,773, up 16% from the year before.

Source: Giles County assessment roll, as of January 27, 2026

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	$1,773.00 (+16.03%)	$76,925 (-) Land $7,450 Building $69,475
2024	$1,528.00	$76,925 (-) Land $7,450 Building $69,475
2023	$1,528.00	$76,925 (-) Land $7,450 Building $69,475
2022	$1,528.00	$76,925 Land $7,450 Building $69,475	$307,700 Land $29,800 Building $277,900

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

FEMA maps place 2227 Black 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 2227 Black 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	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	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

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