2686 Cedar Bluff Rd, Lafayette, TN 37083 Property Records

Macon County property record for 2686 Cedar Bluff Rd, Lafayette, TN 37083

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,552 sqft · built 2018
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on Record
Last Sale	$19,400 (Mar 2013)
Tax Bill	$1,143 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056070 00103`

Property Details

APN / Parcel Number

Primary APN	`056070 00103`
Alternative APN	`070 00103`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,552 sqft Living Area
1st Floor Area	1,216 sqft
Upper Floors Area	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	118,919 sqft (2.73 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	896 sqft
Patio Area	900 sqft
Shed	1 Shed
Shed Area	330 sqft
Pole Barn	900 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2686 CEDAR BLUFF RD
City	LAFAYETTE
State	TN
Zip	37083-3433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: R03
Jurisdiction	MACON TN
Township / Civil Division	5
Census Block Group	3
Census Block	3001
Census Tract	970400

Owner

Source: Macon County records, as of January 23, 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
Mailing Address	2686 CEDAR BLUFF RD, LAFAYETTE, TN 37083-3433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF LAFAYETTE
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEGENDS BANK
Dec 5, 2018	Deed of Trust, Mortgage GUARANTY TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2013 · Amount on Record
Deed Sale	Mar 26, 2013 · Amount on Record
Deed Document Number	13000806
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON TN
Property Address	2686 CEDAR BLUFF RD, LAFAYETTE, TN 37083-3433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 CEDAR BLUFF RD, LAFAYETTE, TN 37083-3433

Mortgage

Document Number	0000004388
Date	Nov 23, 2020
Book Page	RB115/92
Instrument	20004388

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank
Address	WESTMORELAND, TN 37186

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 15, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON TN
Property Address	2686 CEDAR BLUFF RD, LAFAYETTE, TN 37083-3433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002110
Date	Jun 16, 2020
Book Page	RB102/639
Instrument	20002110

Lender

Name	LEGENDS BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON TN
Property Address	2686 CEDAR BLUFF RD, LAFAYETTE, TN 37083-3433
Document Number	0000003824
Instrument Date	Dec 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2686 CEDAR BLUFF RD LAFAYETTE TN 370833433, LAFAYETTE, TN 37083-3433

Mortgage

Document Number	0000003824
Date	Dec 13, 2018
Book Page	000069/000178
Instrument	3824

Lender

Name	GUARANTY TR
Address	MURFREESBORO, TN 37129

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,143.00 (+8.34%)	$70,450 (-) Land $6,150 Building $64,300
2023		$70,450 Land $6,150 Building $64,300	$281,800 Land $24,600 Building $257,200
2019	$1,055.00

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 October 19, 2010 · 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	4 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	0.02% 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	LAFAYETTE WATER SYSTEM serves 22,435 people · EPA ID TN0000373
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	3 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	1 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North Central Communications Fiber	1,000 / 1,000

Cell Coverage

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

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