2699 Cloverdale Rd, Obion, TN 38240 Property Records

Obion County property record for 2699 Cloverdale Rd, Obion, TN 38240

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,450 sqft · built 1960
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Dec 2024)
Tax Bill	$433 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066125P A 00600`

Property Details

APN / Parcel Number

Primary APN	`066125P A 00600`
Alternative APN	`125P A 00600`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	1,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1983
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	123 ft deep x 124 ft wide
Garage Type	Mixed
Garage Area	340 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2699 CLOVERDALE RD
City	OBION
State	TN
Zip	38240-4209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 9
Jurisdiction	OBION TN
Township / Civil Division	5
Census Block Group	3
Census Block	3015
Census Tract	965300

Owner

2699 Cloverdale Rd is owned and occupied by an individual who bought it in December 2024.

Source: Obion County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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 21, 2023	Warranty Deed, Transfer · Conventional Mortgage SIMMONS BANK
Mar 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage MCKENZIE BANKING COMPANY
Nov 22, 2021	Warranty Deed, Transfer
Oct 5, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	Aug 21, 2023 · Amount on File
Deed Document Number	202485692
Deed Book / Page	406 / 210
Prior Transfer Date	Sep 28, 2021
Prior Transfer Doc	000299/502
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Aug 21, 2023
Property Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Document Number	000364/102
Book / Page	364 / 102
Instrument Date	Aug 18, 2023
Instrument	79672
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Investor	Possibly a Property Investor

Mortgage

Document Number	0000079673
Date	Aug 21, 2023
Instrument	79673

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.82%
Type Change Date	Sep 5, 2030
Change Frequency	Annually
Min Rate At Change	8.62%
Max Rate At Change	10.6%
Index	1-Year T-Bill
Max Rate	13.6%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Transaction Type	Mortgage
Record Updated	May 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2782 CLOVERDALE RD, OBION, TN 38240-4212

Mortgage

Document Number	000349/179
Date	Mar 20, 2023
Book Page	349/179
Instrument	77527

Lender

Name	MCKENZIE BANKING COMPANY
Type	Bank
Address	MC KENZIE, TN 38201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	18%
Index	1-Year CMT
Max Rate	18%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Nov 22, 2021
Property Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Document Number	304/509
Book / Page	304 / 509
Instrument Date	Nov 19, 2021
Instrument	70819
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount on Record
Tax	$74.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2782 CLOVERDALE RD, OBION, TN 38240-4212

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OBION TN
Recording Date	Oct 5, 2021
Property Address	2699 CLOVERDALE RD, OBION, TN 38240-4209
Document Number	299/502
Book / Page	299 / 502
Instrument Date	Sep 28, 2021
Instrument	70117
Transaction Type	Transfer
Record Updated	Oct 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 DUGGER RD, TROY, TN 38260-4477

Tax Assessment & Valuation

The 2025 property tax bill for 2699 Cloverdale Rd was $433.

Source: Obion County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$433.00	$31,375 Land $1,250 Building $30,125
2023		$31,375 (+130.28%) Land $1,250 Building $30,125	$125,500 (+130.28%) Land $5,000 Building $120,500
2022	$259.00	$13,625 Land $1,000 Building $12,625	$54,500 Land $4,000 Building $50,500
2018	$260.00

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 2699 Cloverdale Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 24, 2024 · 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	1 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 2699 Cloverdale Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	ELBRIDGE WATER ASSOCIATION serves 3,239 people · EPA ID TN0000220
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	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	3 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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