288 River Trace Dr, Dover, TN 37058 Property Records

Stewart County property record for 288 River Trace Dr, Dover, TN 37058 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,451 sqft · built 1994
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Nov 2020)
Tax Bill	$4,411 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081110 00616`

Property Details

APN / Parcel Number

Primary APN	`081110 00616`
Alternative APN	`110 00616`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Building Area	4,451 sqft Living Area
1st Floor Area	2,501 sqft 1st Floor
Basement Area	1,950 sqft Basement
Finished Basement	1,950 sqft Finished
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Driveway	Driveway
Driveway Area	1,600 sqft Driveway
Parking Spaces	3 Parking Spaces
Garage Type	Finished
Garage Area	1,014 sqft Garage

Exterior Amenities

Deck Area	80 sqft Deck
Patio Area	432 sqft Patio
Porch	Slab
Porch Area	734 sqft Porch
Terrain	Rolling
Boat Access	Boat Access
Boat House	1 sqft
Canopy	1,305 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	288 RIVER TRACE DR
City	DOVER
State	TN
Zip	37058-5519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 10, COUNTY AREA: S01
Legal Subdivision	RIVER TRACE
Jurisdiction	STEWART TN
Township / Civil Division	5
Census Block Group	3
Census Block	3017
Census Tract	110700

Owner

Source: Stewart County records · APN 081110 00616

Assessment roll updated January 26, 2026 · Last verified April 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 File
Mailing Address	288 RIVER TRACE DR, DOVER, TN 37058-5519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2026	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK AND TRUST COMPANY
Jan 20, 2026	Deed of Trust, Mortgage · Closed-End Mortgage COMMERCIAL BANK & TRUST COMPANY
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 20, 2020	Warranty Deed, Transfer TENNESSEE TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Apr 08, 2008 · Amount on Record
Deed Document Number	202059560
Deed Book / Page	245 / 858
Record Updated	Jun 08, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Recording Date	Apr 06, 2026
Property Address	288 RIVER TRACE DR, DOVER, TN 37058-5519
Document Number	0000076199
Book / Page	329 / 671
Instrument Date	Mar 27, 2026
Instrument	202676199
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 RIVER TRACE DR, DOVER, TN 37058-5519

Mortgage

Document Number	0000076199,
Date	Apr 06, 2026
Book Page	329/671
Instrument	202676199

Lender

Name	COMMERCIAL BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2046

Interest

Rate	5.98%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	288 RIVER TRACE DR, DOVER, TN 37058-5519
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 RIVER TRACE DR, DOVER, TN 37058-5519

Mortgage

Document Number	000326/395
Date	Jan 20, 2026
Book Page	326/395
Instrument	75564

Lender

Name	COMMERCIAL BANK & TRUST COMPANY
Type	Bank
Address	1045 MINERAL WELLS AVE, PARIS, TN 38242

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2056

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	288 RIVER TRACE DR, DOVER, TN 37058-5519
Transaction Type	Mortgage
Record Updated	Dec 08, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 RIVER TRACE DR, DOVER, TN 37058-5519

Mortgage

Document Number	263/343
Date	Nov 22, 2021
Book Page	263/343
Instrument	63133

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEWART TN
Recording Date	Nov 20, 2020
Property Address	288 RIVER TRACE DR, DOVER, TN 37058-5519
Document Number	245/858
Book / Page	245 / 858
Map Reference	MB 1 PG 51
Instrument Date	Nov 17, 2020
Instrument	59560
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TENNESSEE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,682.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 RIVER TRACE DR, DOVER, TN 37058-5519

Tax Assessment & Valuation

Source: Stewart County records · Assessment roll updated January 26, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,411.00	$296,825 (-) Land $75,000 Building $221,825
2024	$4,411.00 (+3.57%)	$296,825 (+64.54%) Land $75,000 Building $221,825
2023	$4,259.00	$180,400 (-) Land $50,000 Building $130,400
2022	$4,259.00	$180,400 Land $50,000 Building $130,400	$721,600 (-39.22%) Land $200,000 Building $521,600
2021			$1,187,300 Land $300,000 Building $887,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stewart County (47161C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 28% of Tennessee
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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