314 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 314 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,330 sqft · built 2003
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Aug 2019)
Tax Bill	$2,027 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070045H A 02300`

Property Details

APN / Parcel Number

Primary APN	`070045H A 02300`
Alternative APN	`045H A 02300`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,330 sqft Living Area
1st Floor Area	1,665 sqft
Upper Floors Area	1,665 sqft
Basement Area	1,665 sqft
Unfinished Basement	1,665 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	665 sqft
Deck Area	960 sqft
Patio Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	314 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	OCOEE RIVER LANDING
Legal Lot Number	36
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	950203

Owner

Source: Polk County records, as of January 23, 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	314 THOMAS RD, BENTON, TN 37307-5205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 15, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2019	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Jan 22, 2016 · Amount on Record
Deed Document Number	19001795
Deed Book / Page	WD317 / 308
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	314 THOMAS RD, BENTON, TN 37307-5205
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00003/2515
Date	Dec 19, 2025
Book Page	3/2515
Instrument	25003151

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	2525 KEITH ST NW, CLEVELAND, TN 37312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 2, 2050

Interest

Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	314 THOMAS RD, BENTON, TN 37307-5205
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD553/335
Date	Dec 15, 2021
Book Page	TD553/335
Instrument	21003590

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Sep 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Aug 28, 2019
Property Address	314 THOMAS RD, BENTON, TN 37307-5205
Document Number	0WD317/308
Book / Page	WD317 / 308
Map Reference	MB 7 PG 200
Instrument Date	Aug 26, 2019
Instrument	19001795
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	EQUITITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 THOMAS RD, BENTON, TN 37307-5205

Mortgage

Document Number	0019001796
Date	Aug 28, 2019
Instrument	19001796

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 20, 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	$2,027.00	$119,950 (-) Land $6,050 Building $113,900
2024	$2,027.00	$119,950 (-) Land $6,050 Building $113,900
2023	$2,027.00 (+14.33%)	$119,950 (+69.96%) Land $6,050 Building $113,900	$479,800 (+69.96%) Land $24,200 Building $455,600
2022	$1,773.00	$70,575 Land $4,025 Building $66,550	$282,300 Land $16,100 Building $266,200

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 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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