281 Philippi Rd, Wartrace, TN 37183 Property Records

Bedford County property record for 281 Philippi Rd, Wartrace, TN 37183

Property Summary

Property Type	Rural Home
Details	2 ba · 1,260 sqft · built 1987
Lot Size	25 acres (1,089,000 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Feb 2020)
Tax Bill	$1,208 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002070 03900`

Property Details

APN / Parcel Number

Primary APN	`002070 03900`
Alternative APN	`070 03900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Attic Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2001
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,089,000 sqft (25 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	772 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	281 PHILIPPI RD
City	WARTRACE
State	TN
Zip	37183-3114
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 03, COUNTY AREA: H03
Legal Subdivision	STEM LAND SWAP
Legal Lot Number	2
Jurisdiction	BEDFORD TN
Township / Civil Division	1
Census Block Group	2
Census Block	2034
Census Tract	950700

Owner

281 Philippi Rd, a rural home, is owned and occupied by two individuals who bought it in February 2020.

Source: Bedford County records, as of December 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	408 MADISON ST, SHELBYVILLE, TN 37160-3339
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
Feb 14, 2020	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK/MIDDLE TN
May 4, 2018	Warranty Deed, Transfer TRADERS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020 · Amount on File
Deed Sale	Feb 14, 2020 · Amount on File
Prior Sale	Feb 21, 2019 · Amount on File
Deed Document Number	20001198
Deed Book / Page	D355 / 876
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	Feb 14, 2020
Property Address	281 PHILIPPI RD, WARTRACE, TN 37183-3114
Document Number	D1198
Book / Page	000355 / 000876
Instrument Date	Feb 14, 2020
Instrument	1198
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	219 D MARTIN RD SHELBYVILLE TN 371606623, SHELBYVILLE, TN 37160-6623

Mortgage

Document Number	D1199
Date	Feb 14, 2020
Book Page	000954/000355
Instrument	1199

Lender

Name	PEOPLES BK/MIDDLE TN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	May 4, 2018
Property Address	281 PHILIPPI RD, WARTRACE, TN 37183-3114
Document Number	D2928
Book / Page	000343 / 000828
Instrument Date	May 4, 2018
Instrument	2928
Transaction Type	Transfer
Record Updated	May 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 MADISON ST SHELBYVILLE TN 371603339, SHELBYVILLE, TN 37160-3339

Mortgage

Document Number	D2929
Date	May 4, 2018
Book Page	000904/000522
Instrument	2929

Lender

Name	TRADERS BK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 281 Philippi Rd was $1,208 with an additional exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,208.00 Additional exemption filed	$51,950 Land $11,425 Building $40,525
2023		$51,950 Land $11,425 Building $40,525
2021			$291,300 Land $129,200 Building $162,100

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 281 Philippi Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective August 2, 2007 · 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
Nearby Flood Claims	1 (2002)
Most Recent Claim	Jan 2002 · Severe Storms 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.

Wildfire

Wildfire risk around 281 Philippi 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	WARTRACE WATER SYSTEM serves 3,576 people · EPA ID TN0000730
Water Source	Purchased surface water from TULLAHOMA UTILITIES AUTHORITY
Last State Inspection	Feb 2026
Also Mapped Here	BEDFORD COUNTY U.D.
Lead	Under 1 ppb (2026–2028) 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Communications Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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