2245 Bruce Ridge Rd, Baxter, TN 38544 Property Records

Putnam County property record for 2245 Bruce Ridge Rd, Baxter, TN 38544

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,481 sqft · built 2024
Lot Size	16.6 acres (726,145 sqft)
Owner	2 Individual Names on File
Last Sale	$85,764 (Aug 2023)
Tax Bill	$2,112 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071057 02201`

Property Details

APN / Parcel Number

Primary APN	`071057 02201`
Alternative APN	`057 02201`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,481 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	726,145 sqft (16.6 acres)
Terrain	Mountain
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,199 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	2245 BRUCE RIDGE RD
City	BAXTER
State	TN
Zip	38544-4013
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DIST:10 MAP REF:057
Jurisdiction	PUTNAM TN
Township / Civil Division	8
Census Block Group	1
Census Block	1028
Census Tract	1000

Owner

Source: Putnam County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit WELLS BANK
Mar 21, 2024	Deed of Trust, Mortgage · Closed-End Mortgage AMERICAN BANK & TRUST OF THE CUMBERLANDS
Feb 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF LAFAYETTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Deed Document Number	0RB1497672
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Sep 24, 2026
Property Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013
Document Number	0000330207
Book / Page	1733 / 23
Instrument Date	Sep 18, 2026
Instrument	2026330207
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013

Mortgage

Document Number	0000330207,
Date	Sep 24, 2026
Book Page	1733/23
Instrument	2026330207

Lender

Name	WELLS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 15, 2036

Interest

Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013

Mortgage

Document Number	0001530225
Date	Mar 21, 2024
Book Page	1530/225
Instrument	296258

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBERLANDS
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	18 Months
Due	Sep 19, 2025

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 BRUCE RIDGE RD, BAXTER, TN 38544-4013

Mortgage

Document Number	0001594563
Date	Feb 3, 2025
Book Page	1594/563
Instrument	307227

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank
Address	LAFAYETTE, TN 37083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,112.00 Additional exemption filed	$79,400 Land $4,400 Building $75,000
2021			$343,400 Land $43,400 Building $300,000

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 February 14, 2025

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	0.01% 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	BAXTER WATER DEPARTMENT serves 7,781 people · EPA ID TN0000040
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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