3159 Cloverdale Rd, Obion, TN 38240 Property Records

Obion County property record for 3159 Cloverdale Rd, Obion, TN 38240

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,323 sqft · built 1978
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$869 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066131 01201`

Property Details

APN / Parcel Number

Primary APN	`066131 01201`
Alternative APN	`131 01201`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,323 sqft Living Area
1st Floor Area	2,323 sqft
Upper Floors Area	841 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Garage Type	Finished
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	422 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3159 CLOVERDALE RD
City	OBION
State	TN
Zip	38240-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 9
Jurisdiction	OBION TN
Township / Civil Division	5
Census Block Group	3
Census Block	3043
Census Tract	965300

Owner

Source: Obion County records, as of October 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3159 CLOVERDALE RD, OBION, TN 38240-4221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 20, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 23, 2017	Loan Modification, Mortgage FIRST CITIZENS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2008
Deed Sale	Jun 12, 2008
Prior Sale	Nov 14, 1995
Deed Book / Page	14 / 364
Last Transfer Date	Nov 11, 2025
Transfer Doc	000440/366
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Recording Date	Oct 6, 2026
Property Address	3159 CLOVERDALE RD, OBION, TN 38240-4221
Document Number	0000094896
Book / Page	475 / 118
Instrument Date	Sep 29, 2026
Instrument	202694896
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3159 CLOVERDALE RD, OBION, TN 38240-4221

Mortgage

Document Number	0000094896,
Date	Oct 6, 2026
Book Page	475/118
Instrument	202694896

Lender

Name	AMERICAN FINANCIAL NETWORK INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OBION TN
Recording Date	Nov 20, 2025
Property Address	3159 CLOVERDALE RD, OBION, TN 38240-4221
Document Number	000440/366
Book / Page	440 / 366
Instrument Date	Nov 18, 2025
Instrument	90382
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	SERVICELINK CRS, SERVICELINK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3159 CLOVERDALE RD, OBION, TN 38240-4221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3159 CLOVERDALE RD, OBION, TN 38240-4221

Mortgage

Document Number	0000090383
Date	Nov 20, 2025
Instrument	90383

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OBION TN
Property Address	3159 CLOVERDALE RD, OBION, TN 38240-4221
Document Number	0000050018
Book / Page	000202 / 000090
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3159 CLOVERDALE RD OBION TN 382404221, OBION, TN 38240-4221

Mortgage

Document Number	0000050018
Date	Aug 30, 2017
Book Page	000202/000090
Instrument	50018

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Term	120 Months
Due	Aug 29, 2027

Tax Assessment & Valuation

Source: Obion County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$869.00	$62,975 (-) Land $2,650 Building $60,325
2024	$869.00 (+13%)	$62,975 (-) Land $2,650 Building $60,325
2023		$62,975 (+56.07%) Land $2,650 Building $60,325	$251,900 (+56.07%) Land $10,600 Building $241,300
2022		$40,350 Land $2,550 Building $37,800	$161,400 Land $10,200 Building $151,200
2018	$769.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 24, 2024 · 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	1 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	0.01% annual chance
Exposure	None beyond ember reach

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	ELBRIDGE WATER ASSOCIATION serves 3,239 people · EPA ID TN0000220
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	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	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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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