3192 Stepping Rock Dr, Apison, TN 37302 Property Records

Hamilton County property record for 3192 Stepping Rock Dr, Apison, TN 37302

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,296 sqft · built 2004
Lot Size	0.302 acres (13,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,500 (Jan 2016)
Tax Bill	$2,160 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`173A A 026`

Property Details

APN / Parcel Number

Primary APN	`173A A 026`
Alternative APN	`0000148451`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,296 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,160 sqft (0.302 acres)
Lot Dimensions	173 ft deep x 176 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000148451
Street Address	3192 STEPPING ROCK DR
City	APISON
State	TN
Zip	37302-7513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 26 CRYSTAL BROOK PB67 PG184
Legal Subdivision	CRYSTAL BROOK
Legal Lot Number	26
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3009
Census Tract	11203

Owner

Source: Hamilton County records, as of January 2, 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	3192 STEPPING ROCK DR, APISON, TN 37302-7513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2016 · Amount on Record
Deed Sale	Jan 25, 2016 · Amount on Record
Prior Sale	Feb 1, 2005 · Amount on Record
Deed Document Number	2016124
Deed Book / Page	10657 / 369
Prior Transfer Date	Sep 30, 2002
Prior Transfer Doc	0000000143
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3192 STEPPING ROCK DR, APISON, TN 37302-7513
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000260
Date	Jul 20, 2021
Book Page	12575/422
Instrument	2021072000260

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3192 STEPPING ROCK DR, APISON, TN 37302-7513
Document Number	0104000194
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	FIRST TITLE COMPANY, FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3192 STEPPING ROCK DR APISON TN 373027513, APISON, TN 37302-7513

Mortgage

Document Number	0104000194
Date	Jan 4, 2019
Book Page	011538/000058
Instrument	190104000194

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 3, 2029

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,160.00 (+7.89%)	$142,525 (+59.2%)	$570,100 (+59.2%) Land $70,000 Building $500,100
2024	$2,002.00	$89,525 (-)	$358,100 (-) Land $55,000 Building $303,100
2023	$2,002.00	$89,525	$358,100 Land $55,000 Building $303,100

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 August 30, 2026 · 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	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

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

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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