Humphreys County property record for 295 Stephenson Rd, Waverly, TN 37185
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,768 sqft · built 1974 |
| Lot Size | 2.9 acres (126,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,824 (Mar 2026) |
| Tax Bill | $1,295 (2025) |
| Deeds & Mortgages | Jun 2025 Mortgage Jun 2025 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043053 00401 |
| Primary APN | 043053 00401 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,768 sqft Living Area |
| 1st Floor Area | 1,768 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 126,324 sqft (2.9 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 350 sqft |
| Carport | Carport |
| Carport Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 684 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 295 STEPHENSON RD |
|---|---|
| City | WAVERLY |
| State | TN |
| Zip | 37185-3038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: W99 |
| Jurisdiction | HUMPHREYS TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 130300 |
295 Stephenson Rd is owned and occupied by two individuals who bought it in March 2026.
Source: Humphreys County records, as of July 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC |
| Jun 10, 2025 | Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK A TENNESSEE SAVINGS B |
| Mar 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 6, 2020 | Warranty Deed, Transfer TRISTAR BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2026 · Amount on File |
| Deed Sale | Mar 26, 2026 · Amount on File |
| Prior Sale | Jul 6, 2020 · Amount on File |
| Deed Document Number | 2026914 |
| Deed Book / Page | 12 / 1504 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Property Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1046 GARTON RD, BURNS, TN 37029-5214 |
| Document Number | 0000001913 |
|---|---|
| Date | Jun 10, 2025 |
| Book Page | 7/1586 |
| Instrument | 25001913 |
| Name | INVESTOR MORTGAGE FINANCE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1905 KRAMER LN STE B700, AUSTIN, TX 78758 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.57% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.57% |
| Max Rate At Change | 9.57% |
| Index | Other |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Property Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001916 |
|---|---|
| Date | Jun 10, 2025 |
| Book Page | 7/1619 |
| Instrument | 25001916 |
| Name | FIRST FEDERAL BANK A TENNESSEE SAVINGS B |
|---|---|
| Address | 122 W MAIN ST, WAVERLY, TN 37185 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jun 10, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Mar 26, 2026 |
| Property Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Document Number | 0000000914 |
| Book / Page | 12 / 1504 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 26000914 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2026 |
| Title Company | RP TITLE AND ESCROW LLC, RUDY TITLE AND ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Document Number | 0000000915 |
|---|---|
| Date | Mar 26, 2026 |
| Instrument | 26000915 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Jul 6, 2020 |
| Property Address | 295 STEPHENSON RD, WAVERLY, TN 37185-3038 |
| Document Number | 0000001881 |
| Book / Page | 209 / 698 |
| Instrument Date | Jun 3, 2020 |
| Instrument | 20001881 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | RUDY TITLE AND ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $323.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 322, BURNS, TN 37029-0322 |
| Document Number | 0000001882 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 20001882 |
| Name | TRISTAR BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jun 30, 2040 |
The 2025 property tax bill for 295 Stephenson Rd was $1,295.
Source: Humphreys County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Humphreys County |
| Unified School District | Humphreys County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,295.00 | $70,400 (-) Land $6,425 Building $63,975 | |
| 2024 | $1,295.00 | $70,400 (-) Land $6,425 Building $63,975 | |
| 2023 | $1,295.00 (+48%) | $70,400 (+75.23%) Land $6,425 Building $63,975 | $281,600 (+75.23%) Land $25,700 Building $255,900 |
| 2022 | $875.00 | $40,175 Land $3,450 Building $36,725 | $160,700 Land $13,800 Building $146,900 |
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.
FEMA maps place 295 Stephenson Rd in Zone X, an area of minimal flood risk, though there have been 70 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 70 (1984–2021) |
| Claims Outside the SFHA | 3 of 70 |
| Most Recent Claim | Aug 2021 · Severe Storm And Flooding |
| Claims by Event |
|
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 risk around 295 Stephenson Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Meriwether Lewis Connect Fiber | 1,000 / 1,000 |
| GigFire Fiber · Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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