Montgomery County property record for 2981 Sharp Top Rd, Palmyra, TN 37142
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,936 sqft · built 2023 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,900 (May 2026) |
| Tax Bill | $3,035 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 114 43.15 18114 |
| Primary APN | 114 43.15 18114 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,936 sqft Living Area |
| 1st Floor Area | 841 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2981 SHARP TOP RD |
|---|---|
| City | PALMYRA |
| State | TN |
| Zip | 37142-2330 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Subdivision | KMG PROPERTIES SHARP TOP ROAD LOTS 1-10 |
| Legal Lot Number | 7 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 101701 |
Source: Montgomery County records · APN 114 43.15 18114
Assessment roll updated May 5, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 2981 SHARP TOP RD, PALMYRA, TN 37142-2330 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 04, 2026 | Warranty Deed, Transfer · VA Mortgage FIRST COMMUNITY MORTGAGE INC |
| Mar 28, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 04, 2026 · Amount on Record |
| Deed Sale | May 04, 2026 · Amount on Record |
| Deed Document Number | 20261542265 |
| Deed Book / Page | 2488 / 1851 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | May 04, 2026 |
| Property Address | 2981 SHARP TOP RD, PALMYRA, TN 37142-2330 |
| Document Number | 0001542265 |
| Book / Page | 2488 / 1851 |
| Instrument Date | May 01, 2026 |
| Instrument | 2026.1542265 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149,442.63 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2981 SHARP TOP RD, PALMYRA, TN 37142-2330 |
| Document Number | 0001542266, |
|---|---|
| Date | May 04, 2026 |
| Instrument | 2026.1542266 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Mar 28, 2023 |
| Property Address | 2981 SHARP TOP RD, PALMYRA, TN 37142-2330 |
| Document Number | 002288/789 |
| Book / Page | 2288 / 789 |
| Map Reference | MB M PG 154 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 1417680 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 05, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2981 SHARP TOP RD, PALMYRA, TN 37142-2330 |
| Document Number | 0001417681 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 1417681 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
Source: Montgomery County records · Assessment roll updated May 5, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
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 | $3,035.00 (+2.67%) | $98,875 (-) | $395,500 (-) Land $75,000 Building $320,500 |
| 2024 | $2,956.00 | $98,875 | $395,500 Land $75,000 Building $320,500 |
Source: FEMA National Flood Hazard Layer as of January 14, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
Based on FCC filings for 12 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CUNNINGHAM UTILITY DISTRICT serves 16,068 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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