3 E Ridge Rd, Allardt, TN 38504 Property Records

Fentress County property record for 3 E Ridge Rd, Allardt, TN 38504

Property Summary

Property Type	Single Family Home
Details	1 ba · 791 sqft · built 2008
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Mar 2020)
Tax Bill	$562 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`025078 00622`

Property Details

APN / Parcel Number

Primary APN	`025078 00622`
Alternative APN	`078 00622`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	791 sqft Living Area
1st Floor Area	468 sqft
Upper Floors Area	216 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	39,640 sqft (0.91 acres)
Terrain	Rolling
Stable	468 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 E RIDGE RD
City	ALLARDT
State	TN
Zip	38504-6077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: R55
Legal Subdivision	WHITE OAK SUBD PH II
Legal Lot Number	33
Jurisdiction	FENTRESS TN
Township / Civil Division	5
Census Block Group	2
Census Block	2003
Census Tract	965202

Owner

Source: Fentress County records, as of August 12, 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	3 E RIDGE RD, ALLARDT, TN 38504-6077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit SMARTBANK
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2020 · Amount on Record
Deed Sale	Mar 17, 2020 · Amount on Record
Prior Sale	Aug 1, 2014 · Amount on Record
Deed Document Number	2020851
Deed Book / Page	314 / 255
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FENTRESS TN
Recording Date	Aug 5, 2026
Property Address	3 E RIDGE RD, ALLARDT, TN 38504-6077
Document Number	0000002904
Book / Page	442 / 831
Instrument Date	Jul 31, 2026
Instrument	20262904
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E RIDGE RD, ALLARDT, TN 38504-6077

Mortgage

Document Number	0000002904,
Date	Aug 5, 2026
Book Page	442/831
Instrument	20262904

Lender

Name	SMARTBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 31, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Mar 17, 2020
Property Address	3 E RIDGE RD, ALLARDT, TN 38504-6077
Document Number	0003140255
Book / Page	314 / 255
Instrument Date	Mar 16, 2020
Instrument	20000851
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 E RIDGE RD, ALLARDT, TN 38504-6077

Mortgage

Document Number	0020000852
Date	Mar 17, 2020
Instrument	20000852

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Jun 28, 2018
Property Address	3 E RIDGE RD, ALLARDT, TN 38504-6077
Document Number	0002860949
Book / Page	000286 / 000949
Instrument Date	Jun 26, 2018
Instrument	1834
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$499.50
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	117 STIRLING LN VERSAILLES HI, VERSAILLES, HI

Tax Assessment & Valuation

Source: Fentress County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$562.00 (+39.45%)	$41,650 (-) Land $5,550 Building $36,100
2023		$41,650 (+97.63%) Land $5,550 Building $36,100	$166,600 (+97.63%) Land $22,200 Building $144,400
2022	$403.00	$21,075 Land $4,050 Building $17,025	$84,300 Land $16,200 Building $68,100

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

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 79% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ALLARDT WATER WORKS serves 4,231 people · EPA ID TN0000010
Water Source	Purchased surface water from FENTRESS COUNTY U.D.
Last State Inspection	Jan 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017
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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

Cell Coverage

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

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