279 Difficult Rd, Pleasant Shade, TN 37145 Property Records

Smith County property record for 279 Difficult Rd, Pleasant Shade, TN 37145

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,848 sqft · built 2019
Lot Size	15.7 acres (684,763 sqft)
Owner	2 Individual Names on File
Last Sale	$42,500 (Jul 2017)
Tax Bill	$1,216 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`080014 00501`

Property Details

APN / Parcel Number

Primary APN	`080014 00501`
Alternative APN	`014 00501`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,848 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	684,763 sqft (15.7 acres)
Terrain	Rolling
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	279 DIFFICULT RD
City	PLEASANT SHADE
State	TN
Zip	37145-3504
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 5
Jurisdiction	SMITH TN
Township / Civil Division	1
Census Block Group	3
Census Block	3005
Census Tract	975000

Owner

279 Difficult Rd, a rural home, is owned and occupied by two individuals who bought it in July 2017.

Source: Smith County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
Apr 15, 2019	Loan Modification, Mortgage · Line of Credit CEDARSTONE BK
Dec 21, 2017	Trustee's Deed, Construction Loan · Line of Credit CEDARSTONE BK
Nov 15, 2017	Trustee's Deed, Construction Loan · Construction Mortgage B F LOWERY
Jul 7, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on File
Deed Sale	Jul 7, 2017 · Amount on File
Prior Sale	Mar 18, 1999
Deed Document Number	0000322739
Deed Book / Page	322 / 739
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TN
Property Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407155
Date	Jul 28, 2021
Book Page	407/155
Instrument	21002746

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SMITH TN
Property Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Document Number	355234
Instrument Date	Apr 15, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3030 LEEVILLE RD MT JULIET TN 371223908, MT JULIET, TN 37122-3908

Mortgage

Document Number	355234
Date	Apr 18, 2019
Book Page	000355/000234
Instrument	1087

Lender

Name	CEDARSTONE BK
Type	Bank
Address	LEBANON, TN 37087

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 17, 2020

Interest

Rate Type	Adjustable Rate

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SMITH TN
Recording Date	Dec 21, 2017
Property Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Book / Page	000331 / 000339
Instrument Date	Dec 20, 2017
Instrument	3646
Transaction Type	Construction Loan
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3030 LEEVILLE RD MOUNT JULIET TN 371223908, MOUNT JULIET, TN 37122-3908

Mortgage

Document Number	331339
Date	Dec 21, 2017
Book Page	000331/000339
Instrument	3646

Lender

Name	CEDARSTONE BK
Type	Bank
Address	LEBANON, TN 37087

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 20, 2018

Interest

Rate Type	Adjustable Rate

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SMITH TN
Recording Date	Nov 15, 2017
Property Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Book / Page	000329 / 000016
Instrument Date	Nov 15, 2017
Instrument	3180
Transaction Type	Construction Loan
Record Updated	Nov 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	279 DIFFICULT RD PLEASANT SHADE TN 37145, PLEASANT SHADE, TN 37145

Mortgage

Document Number	32916
Date	Nov 15, 2017
Book Page	000329/000016
Instrument	3180

Lender

Name	B F LOWERY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 14, 2018

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMITH TN
Recording Date	Jul 7, 2017
Property Address	279 DIFFICULT RD, PLEASANT SHADE, TN 37145-3504
Document Number	322739
Book / Page	000322 / 000739
Instrument Date	Jul 7, 2017
Instrument	1919
Transaction Type	Transfer
Record Updated	Jul 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$157.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	150 PUBLIC SQ LEBANON TN 370872736, LEBANON, TN 37087-2736

Tax Assessment & Valuation

The 2025 property tax bill for 279 Difficult Rd was $1,216 with an additional exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,216.00 Additional exemption filed	$70,150 Land $5,375 Building $64,775
2023		$70,150 (-) Land $5,375 Building $64,775
2022		$70,150 Land $5,375 Building $64,775	$320,500 Land $61,400 Building $259,100
2019	$728.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 279 Difficult Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective February 14, 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2004–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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 279 Difficult Rd is low, with a 0.02% 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	0.02% 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	CORDELL HULL UTILITY DISTRICT serves 3,220 people · EPA ID TN0000096
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023 Haloacetic acids resolved · Apr 2018
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 3 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

No cell data coverage reported

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