Claiborne County property record for 278 Tower St, Harrogate, TN 37752
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,484 sqft · built 1997 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $316,000 (Mar 2023) |
| Tax Bill | $1,172 (2024) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015K A 00502 |
| Primary APN | 015K A 00502 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,484 sqft Living Area |
| 1st Floor Area | 1,484 sqft |
| Basement Area | 1,484 sqft |
| Unfinished Basement | 1,484 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 280 sqft |
| Patio Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 278 TOWER ST |
|---|---|
| City | HARROGATE |
| State | TN |
| Zip | 37752-8047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 06, COUNTY AREA: H02 |
| Legal Subdivision | CLAIBORNE DEVELOPERS |
| Legal Lot Number | 16 19 |
| Jurisdiction | CLAIBORNE TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 970200 |
Source: Claiborne County records, as of January 28, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 278 TOWER ST, HARROGATE, TN 37752-8047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2023 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2023 · Amount on Record |
| Deed Sale | Mar 27, 2023 · Amount on Record |
| Prior Sale | Jan 10, 1997 · Amount on Record |
| Deed Document Number | 0001630281 |
| Deed Book / Page | 1630 / 281 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Recording Date | Mar 27, 2023 |
| Property Address | 278 TOWER ST, HARROGATE, TN 37752-8047 |
| Document Number | 0001630281 |
| Book / Page | 1630 / 281 |
| Map Reference | MB 3 PG 76 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 23007416 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,169.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0023007417 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 23007417 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAIBORNE TN |
| Property Address | 278 TOWER ST, HARROGATE, TN 37752-8047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1485358 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 1485/358 |
| Instrument | 17003620 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
Source: Claiborne County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Claiborne County |
| Municipality | Harrogate City |
| Unified School District | Claiborne County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $50,075 (-) Land $5,100 Building $44,975 | ||
| 2024 | $1,172.00 (+16.97%) | ||
| 2022 | $1,002.00 | $50,075 Land $5,100 Building $44,975 | $200,300 Land $20,400 Building $179,900 |
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.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015 · 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 Claims | 2 (1991–1998) |
| Most Recent Claim | May 1998 · Severe Storms, Tornadoes And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 78% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ARTHUR-SHAWANEE UTILITY DISTRICT serves 10,037 people · EPA ID TN0000022 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Vyve Broadband Cable | 2,000 / 50 |
| Point Broadband Fiber | 1,000 / 1,000 |
| MountaiNet Telephone Company Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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