3081 Bowker Rd, Charlotte, TN 37036 Property Records

Dickson County property record for 3081 Bowker Rd, Charlotte, TN 37036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 2006
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Dec 2023)
Tax Bill	$880 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`022027 04900`

Property Details

APN / Parcel Number

Primary APN	`022027 04900`
Alternative APN	`027 04900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Terrain	Rolling
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3081 BOWKER RD
City	CHARLOTTE
State	TN
Zip	37036-5318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JACKSON FARM ESTATES SUB 3
Legal Subdivision	JACKSON FARM ESTATES SUB
Legal Lot Number	3
Jurisdiction	DICKSON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1013
Census Tract	60201

Owner

Source: Dickson County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jul 3, 2023	Warranty Deed, Transfer
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Jan 20, 2017	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2023 · Amount on Record
Deed Sale	Dec 14, 2023 · Amount on Record
Prior Sale	Jul 3, 2023 · Amount on Record
Deed Document Number	2023359994
Deed Book / Page	1566 / 1074
Prior Transfer Date	May 27, 2011
Prior Transfer Doc	V1084680
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Dec 14, 2023
Property Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318
Document Number	0V15661074
Book / Page	V1566 / 1074
Map Reference	CAB G PG 264
Instrument Date	Nov 6, 2023
Instrument	359994
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318

Mortgage

Document Number	0000359995
Date	Dec 14, 2023
Instrument	359995

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Jul 3, 2023
Property Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318
Document Number	00V1559618
Book / Page	V1559 / 618
Map Reference	CAB G SL 264
Instrument Date	Jun 30, 2023
Instrument	355322
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Amount	Amount Recorded
Tax	$510.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 GILL RD, ASHLAND CITY, TN 37015-9051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4421 N THANKSGIVING WAY STE 202, 202, LEHI, UT 84043-2940

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318
Transaction Type	Mortgage
Record Updated	Aug 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318

Mortgage

Document Number	V15212440
Date	Aug 2, 2021
Book Page	V1521/2440
Instrument	330852

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Feb 1, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Jan 20, 2017
Property Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318
Document Number	00V1279682
Book / Page	V1279 / 682
Instrument Date	Jan 17, 2017
Instrument	273284
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3081 BOWKER RD, CHARLOTTE, TN 37036-5318

Mortgage

Document Number	V1279684
Date	Jan 20, 2017
Book Page	V1279/684
Instrument	273285

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Dickson County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$880.00 (+5.77%)	$52,100 (+47.07%) Land $6,825 Building $45,275
2024			$208,400 (+47.07%) Land $27,300 Building $181,100
2022	$832.00	$35,425 Land $2,300 Building $33,125	$141,700 Land $9,200 Building $132,500

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 January 14, 2021 · 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	2 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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	WATER AUTH OF DICKSON COUNTY serves 68,675 people · EPA ID TN0000191
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ignite Broadband Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35

Cell Coverage

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

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