318 Harbor Dr, Bumpus Mills, TN 37028 Property Records

Stewart County property record for 318 Harbor Dr, Bumpus Mills, TN 37028

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,996 sqft · built 2011
Lot Size	0.138 acres (6,048 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Nov 2015)
Tax Bill	$1,530 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081017J G 03000`

Property Details

APN / Parcel Number

Primary APN	`081017J G 03000`
Alternative APN	`017J G 03000`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,996 sqft Living Area
1st Floor Area	1,240 sqft
Upper Floors Area	1,260 sqft
Basement Area	1,260 sqft
Finished Basement	600 sqft
Unfinished Basement	660 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,048 sqft
Lot Dimensions	144 ft deep x 42 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	212 sqft
Deck Area	105 sqft
Patio Area	297 sqft
Boat Access	Boat Access
Boat House	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	318 HARBOR DR
City	BUMPUS MILLS
State	TN
Zip	37028-6206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: T99
Legal Subdivision	LOON BAY SUB
Legal Lot Number	184
Jurisdiction	STEWART TN
Township / Civil Division	3
Census Block Group	1
Census Block	1001
Census Tract	110201

Owner

318 Harbor Dr is owned and occupied by an individual who bought it in November 2015.

Source: Stewart County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206
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
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit F & M BANK
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK
Aug 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2015 · Amount on File
Deed Sale	Nov 12, 2015 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Document Number	46431
Deed Book / Page	186 / 308
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206

Mortgage

Document Number	257/50
Date	Jul 1, 2021
Book Page	257/50
Instrument	61853

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 15, 2031

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	252/444
Date	Apr 6, 2021
Book Page	252/444
Instrument	60875

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	205/657
Date	Sep 7, 2017
Book Page	205/657
Instrument	50841

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2032

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	318 HARBOR DR, BUMPUS MILLS, TN 37028-6206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	205/219
Date	Aug 16, 2017
Book Page	205/219
Instrument	50713

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 318 Harbor Dr was $1,530, up 4.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,530.00 (+4.87%)	$102,950 (+4.84%) Land $9,375 Building $93,575
2024	$1,459.00 (+6.11%)	$98,200 (+68.58%) Land $9,375 Building $88,825
2023	$1,375.00	$58,250 (-) Land $6,250 Building $52,000
2022	$1,375.00	$58,250 Land $6,250 Building $52,000	$233,000 (-43.42%) Land $25,000 Building $208,000
2021			$411,800 Land $37,500 Building $374,300

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 318 Harbor Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

Wildfire risk around 318 Harbor Dr 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	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	LOON BAY P.O.A. private · serves 134 people · EPA ID TN0000083
Water Source	Groundwater
Last State Inspection	Mar 2026
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 32 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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