304 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 304 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,048 sqft · built 2008
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on Record
Last Sale	$453,000 (Oct 2023)
Tax Bill	$1,439 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045H-A-024.01`

Property Details

APN / Parcel Number

Primary APN	`045H-A-024.01`
Alternative APNs	`01045HA045H02401` `070045H A 02401`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	4,048 sqft Living Area
Gross Area	4,768 sqft
1st Floor Area	1,664 sqft
Upper Floors Area	2,384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.74 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	264 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	304 THOMAS RD
City	BENTON
State	TN
Zip	37307-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	JIMMY L RICHMOND
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	950203

Owner

Source: Polk County records, as of December 3, 2025

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	13680 SUNSET LAKES CIR, WINTER GARDEN, FL 34787-5418
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Aug 3, 2018	Warranty Deed, Transfer KELTY TITLE AND ESCROW SERVICES INC
Jul 9, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	20232338
Deed Book / Page	351 / 402
Transfer Doc	0WD264/334
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 4, 2023
Property Address	304 THOMAS RD, BENTON, TN 37307-5205
Document Number	0WD351/402
Book / Page	WD351 / 402
Instrument Date	Oct 2, 2023
Instrument	23002338
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13680 SUNSET LAKES CIR, WINTER GARDEN, FL 34787-5418
Investor	Possibly a Property Investor

Mortgage

Document Number	0023002339
Date	Oct 4, 2023
Instrument	23002339

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Aug 3, 2018
Property Address	304 THOMAS RD, BENTON, TN 37307-5205
Document Number	0000001651
Book / Page	000311 / 000037
Instrument Date	Jul 30, 2018
Instrument	1651
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	KELTY TITLE AND ESCROW SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$943.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	304 THOMAS RD BENTON TN 373075205, BENTON, TN 37307-5205

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	304 THOMAS RD, BENTON, TN 37307-5205
Document Number	0000001567
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 THOMAS RD BENTON TN 373075205, BENTON, TN 37307-5205

Mortgage

Document Number	0000001567
Date	Jul 24, 2018
Book Page	000501/000472
Instrument	1567

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,439.00	$85,175 (-) Land $5,150 Building $80,025	$340,700 (-) Land $20,600 Building $320,100
2024	$1,439.00	$85,175 (-) Land $5,150 Building $80,025
2023	$1,439.00 (+15.03%)	$85,175 (+71.03%) Land $5,150 Building $80,025	$340,700 (+71.03%) Land $20,600 Building $320,100
2022	$1,251.00	$49,800 Land $3,225 Building $46,575	$199,200 Land $12,900 Building $186,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 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 Record median of 13 policies
Nearby Flood Policies	13 in force

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

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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