301 Main St, Prospect, TN 38477 Property Records

Giles County property record for 301 Main St, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,332 sqft · built 1940
Lot Size	1 acre (43,560 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Oct 2017)
Tax Bill	$543 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028164 05200`

Property Details

APN / Parcel Number

Primary APN	`028164 05200`
Alternative APN	`164 05200`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,332 sqft Living Area
1st Floor Area	1,332 sqft
Attic Area	1,332 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1966
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft
Porch	Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	301 MAIN ST
City	PROSPECT
State	TN
Zip	38477-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: R01
Jurisdiction	GILES TN
Township / Civil Division	1
Census Block Group	1
Census Block	1063
Census Tract	920700

Owner

301 Main St is owned and occupied by an individual who bought it in October 2017.

Source: Giles County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	301 MAIN ST, PROSPECT, TN 38477-6209
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
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Oct 5, 2017	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on File
Deed Sale	Oct 5, 2017 · Amount on File
Prior Sale	Feb 15, 1995 · Amount on File
Deed Document Number	17113978
Deed Book / Page	D373 / 508
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	301 MAIN ST, PROSPECT, TN 38477-6209
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000139657
Date	Aug 1, 2022
Book Page	DT637/485
Instrument	22139657

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Oct 5, 2017
Property Address	301 MAIN ST, PROSPECT, TN 38477-6209
Document Number	0000113978
Book / Page	000373 / 000508
Instrument Date	Sep 25, 2017
Instrument	113978
Transaction Type	Transfer
Record Updated	Oct 12, 2017
Title Company	GILES TITLE AND ESCROW SERVICES LLC, GILES TITLE & ESCROW SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 MAIN ST PROSPECT TN 384776209, PROSPECT, TN 38477-6209

Mortgage

Document Number	113979
Date	Oct 5, 2017
Book Page	000559/000867
Instrument	113979

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 4, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 301 Main St was $543, up 16% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$543.00 (+16.03%)	$23,575 (-) Land $5,225 Building $18,350
2024	$468.00	$23,575 (-) Land $5,225 Building $18,350
2023	$468.00	$23,575 (-) Land $5,225 Building $18,350
2022	$468.00	$23,575 Land $5,225 Building $18,350	$94,300 Land $20,900 Building $73,400

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 301 Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective August 30, 2017 · 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	3 in force
Nearby Flood Claims	4 (2004–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2020 · other causes

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 301 Main St 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	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	SOUTH GILES UTILITY DISTRICT serves 6,985 people · EPA ID TN0000649
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2019
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
PES Energize Fiber	5,000 / 5,000

Cell Coverage

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

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