2580 Black Rd, Prospect, TN 38477 Property Records

Giles County property record for 2580 Black Rd, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,175 sqft · built 2009
Lot Size	0.869 acres (37,897 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Aug 2016)
Tax Bill	$809 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028147 01409`

Property Details

APN / Parcel Number

Primary APN	`028147 01409`
Alternative APN	`147 01409`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,175 sqft Living Area
1st Floor Area	1,175 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,897 sqft (0.869 acres)
Lot Dimensions	405 ft deep x 102 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2580 BLACK RD
City	PROSPECT
State	TN
Zip	38477-6931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04 TRACT 1 (.87AC), COUNTY AREA: R01
Legal Subdivision	SURVEY UNRECORDED
Legal Tract	1
Jurisdiction	GILES TN
Township / Civil Division	2
Census Block Group	1
Census Block	1032
Census Tract	920600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2580 BLACK RD, PROSPECT, TN 38477-6931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 4, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2016 · Amount on Record
Deed Sale	Aug 22, 2016 · Amount on Record
Deed Document Number	16108756
Deed Book / Page	D368 / 654
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2580 BLACK RD, PROSPECT, TN 38477-6931
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000130788
Date	Feb 22, 2021
Book Page	DT609/863
Instrument	21130788

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	2580 BLACK RD, PROSPECT, TN 38477-6931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMONWEALTH USA SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126331
Date	May 4, 2020
Book Page	DT595/289
Instrument	20126331

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	$809.00 (+16.07%)	$35,100 (-) Land $4,650 Building $30,450
2024	$697.00	$35,100 (-) Land $4,650 Building $30,450
2023	$697.00	$35,100 (-) Land $4,650 Building $30,450
2022	$697.00	$35,100 Land $4,650 Building $30,450	$140,400 Land $18,600 Building $121,800

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 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

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 12 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

Nearby Properties on Black Rd

Nearby Streets

All Prospect, TN Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures