280 Gradys Rd, McMinnville, TN 37110 Property Records

Warren County property record for 280 Gradys Rd, McMinnville, TN 37110

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 1996
Lot Size	8 acres (348,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Dec 2020)
Tax Bill	$917 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089108 01400`

Property Details

APN / Parcel Number

Primary APN	`089108 01400`
Alternative APN	`108 01400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	348,480 sqft (8 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	280 GRADYS RD
City	MCMINNVILLE
State	TN
Zip	37110-6608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: R06
Legal Subdivision	HOLDER & MARTIN
Legal Lot Number	1
Jurisdiction	WARREN TN
Township / Civil Division	8
Census Block Group	1
Census Block	1027
Census Tract	930900

Owner

Source: Warren 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	280 GRADYS RD, MCMINNVILLE, TN 37110-6608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
Dec 7, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NAT'L BK/AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Deed Document Number	180149
Deed Book / Page	516 / 275
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN TN
Property Address	280 GRADYS RD, MCMINNVILLE, TN 37110-6608
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000606/92
Date	Mar 30, 2023
Book Page	606/92
Instrument	203227

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN TN
Recording Date	Dec 7, 2020
Property Address	280 GRADYS RD, MCMINNVILLE, TN 37110-6608
Document Number	0000180149
Book / Page	000516 / 000275
Instrument Date	Dec 2, 2020
Instrument	180149
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$703.00
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	280 GRADYS RD MCMINNVILLE TN 371106608, MCMINNVILLE, TN 37110-6608

Mortgage

Document Number	180150
Date	Dec 7, 2020
Book Page	000516/000279
Instrument	180150

Lender

Name	FIRST NAT'L BK/AMERICA
Type	Bank
Address	EAST LANSING, MI 48823

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$917.00	$75,825 (+80.64%) Land $18,000 Building $57,825	$303,300 (+80.64%) Land $72,000 Building $231,300
2023		$41,975 Land $8,400 Building $33,575
2020			$167,900 Land $33,600 Building $134,300

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

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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 63% of the US · above 85% of Tennessee
Wildfire Likelihood	0.2% 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	WARREN COUNTY UTILITY DISTRICT serves 29,055 people · EPA ID TN0000818
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2024
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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

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

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