2451 Upper River Rd NE, Charleston, TN 37310 Property Records

Bradley County property record for 2451 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,980 sqft · built 2016
Lot Size	16 acres (698,267 sqft)
Owner	2 Individual Names on Record
Tax Bill	$411 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`037 045.00 000`

Property Details

APN / Parcel Number

Primary APN	`037 045.00 000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Basement Area	1,980 sqft
Unfinished Basement	1,980 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2018
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	698,267 sqft (16 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2451 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6030
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	FAR
Legal Description	DISTRICT: 1
Legal Subdivision	THOMAS LEACH
Jurisdiction	BRADLEY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	11102

Owner

Source: Bradley County records, as of February 2, 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
Co-owner	2 Co-owners on Record
Mailing Address	2451 UPPER RIVER RD NE, CHARLESTON, TN 37310-6030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BANK
Feb 19, 2019	Deed of Trust, Mortgage · Line of Credit CAPSTAR BK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Transfer Date	Dec 29, 2022
Transfer Doc	0002965333
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2451 UPPER RIVER RD NE, CHARLESTON, TN 37310-6030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2726479
Date	Oct 13, 2020
Book Page	2726/479
Instrument	20014975

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2451 UPPER RIVER RD NE, CHARLESTON, TN 37310-6030
Document Number	2579963
Instrument Date	Feb 19, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2451 UPPER RIVER RD NE CHARLESTON TN 373106030, CHARLESTON, TN 37310-6030

Mortgage

Document Number	2579963
Date	Mar 4, 2019
Book Page	002579/000963
Instrument	2478

Lender

Name	CAPSTAR BK
Type	Bank
Address	CLEVELAND, TN 37312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 3, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$411.00 (+8.44%) Additional exemption filed	$128,175 (+50.4%) Land $16,400 Building $111,775	$719,400 (+111.03%) Land $272,300 Building $447,100
2024	$379.00 Additional exemption filed	$85,225 (-) Land $12,550 Building $72,675
2023	$379.00 Additional exemption filed	$85,225 (-) Land $12,550 Building $72,675
2022	$379.00	$85,225 Land $12,550 Building $72,675	$340,900 (-26%) Land $50,200 Building $290,700
2021			$460,700 Land $170,000 Building $290,700

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 November 27, 2025 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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

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

Wildfire Risk	Moderate above 51% of the US · above 69% of Tennessee
Wildfire Likelihood	0.1% 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	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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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