2772 Upper River Rd NE, Charleston, TN 37310 Property Records

Bradley County property record for 2772 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	General Agricultural/Rural
Details	4 bd · 8 ba · 9,850 sqft · built 1900
Lot Size	273 acres (11,896,236 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,797 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`037-002.01`

Property Details

APN / Parcel Number

Primary APN	`037-002.01`
Alternative APNs	`037 002.01 000` `006037 00201` `12648`

Interior

Bedrooms	4 Beds
Full Baths	8 Baths
Half Baths	2 Half Baths
Units	3 Units
Stories	1 Story
Building Area	9,850 sqft Gross Area
1st Floor Area	7,698 sqft
Basement Area	1,174 sqft
Flooring	Softwood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,896,236 sqft (273 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	990 sqft
Deck Area	144 sqft
Patio Area	960 sqft
Shed	1 Shed
Shed Area	360 sqft
Pole Barn	2,432 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	12648
Street Address	2772 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6020
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	FAR
Legal Description	NEW HSE PRO RATED 8/1/08
Legal Subdivision	MORGAN WATKINS ENGINEERING CO
Jurisdiction	BRADLEY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	11102

Owner

Source: Bradley County records, as of December 8, 2025

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	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Line of Credit ANDREW JOHNSON BANK
Feb 9, 2021	Deed of Trust, Mortgage · Line of Credit ANDREW JOHNSON BANK
Mar 30, 2020	Deed of Trust, Mortgage · Line of Credit ANDREW JOHNSON BANK
Feb 15, 2018	Deed of Trust, Mortgage · Line of Credit ANDREW JOHNSON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020

Mortgage

Document Number	0002872938
Date	Jan 14, 2022
Book Page	2872/938
Instrument	22000837

Lender

Name	ANDREW JOHNSON BANK
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 13, 2047

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020

Mortgage

Document Number	2764361
Date	Feb 9, 2021
Book Page	2764/361
Instrument	21002275

Lender

Name	ANDREW JOHNSON BANK
Type	Bank
Address	GREENEVILLE, TN 37743

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2670477
Date	Mar 30, 2020
Book Page	2670/477
Instrument	20004304

Lender

Name	ANDREW JOHNSON BANK
Type	Bank
Address	GREENEVILLE, TN 37743

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	2772 UPPER RIVER RD NE, CHARLESTON, TN 37310-6020
Document Number	2504324
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Mar 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	UPPER RIVER RD CHARLESTON TN 37310, CHARLESTON, TN 37310

Mortgage

Document Number	2504324
Date	Feb 21, 2018
Book Page	002504/000324
Instrument	2020

Lender

Name	ANDREW JOHNSON BK
Type	Bank
Address	GREENVILLE, TN 37743

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bradley County assessment roll, as of December 8, 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	$5,797.00 (+1.06%)	$470,175 (+46.98%) Land $190,275 Building $279,900	$2,785,400 (+117.68%) Land $1,665,800 Building $1,119,600
2024	$5,736.00 Additional exemption filed	$319,900 (-) Land $151,175 Building $168,725
2023	$5,736.00 Additional exemption filed	$319,900 (-) Land $151,175 Building $168,725
2022	$5,736.00	$319,900 Land $151,175 Building $168,725	$1,279,600 (-27.96%) Land $604,700 Building $674,900
2021			$1,776,300 Land $1,101,400 Building $674,900

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 48% of the US · above 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Upper River Rd NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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