321 Lillard Rd, Benton, TN 37307 Property Records

Polk County property record for 321 Lillard Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,296 sqft · built 1971
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2022)
Tax Bill	$680 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`070026 02100`

Property Details

APN / Parcel Number

Primary APN	`070026 02100`
Alternative APN	`026 02100`

Interior

Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	288 sqft
Finished Basement	288 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	38,333 sqft (0.88 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	388 sqft
Deck Area	264 sqft
Patio Area	264 sqft
Shed	1 Shed
Shed Area	1,656 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	321 LILLARD RD
City	BENTON
State	TN
Zip	37307-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: A01
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2038
Census Tract	950204

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	Individual Name on Record
Mailing Address	321 LILLARD RD, BENTON, TN 37307-4629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2018	Deed of Trust, Mortgage · Line of Credit ATHENS FEDERAL COMUNITY BANK NA
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BANK
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Aug 26, 2019	Loan Modification, Mortgage CAPSTAR BK
Apr 5, 2018	Grant Deed, Transfer ATTORNEY ONLY
Jul 17, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Prior Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	22002626
Deed Book / Page	WD342 / 354
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD503/457
Date	Sep 14, 2018
Book Page	TD503/457
Instrument	18001973

Lender

Name	ATHENS FEDERAL COMUNITY BANK NA
Type	Bank
Address	ATHENS, TN 37303

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000TD550/1
Date	Oct 8, 2021
Book Page	TD550/1
Instrument	21002901

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Sep 7, 2022
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Document Number	0WD342/354
Book / Page	WD342 / 354
Instrument Date	Aug 26, 2022
Instrument	22002626
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6321 LILLARD RD, BENTON, TN 37307

Mortgage

Document Number	0022002627
Date	Sep 7, 2022
Instrument	22002627

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.08%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.85%
Max Rate At Change	9.08%
Index	1-Year CMT
Max Rate	9.08%

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK TN
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Document Number	0000001877
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001877
Date	Sep 9, 2019
Book Page	000514/000425
Instrument	1877

Lender

Name	CAPSTAR BK
Type	Bank
Address	ATHENS, TN 37303

Agreement

Amount	Amount Recorded

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK TN
Recording Date	Apr 5, 2018
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Document Number	0000000713
Book / Page	000308 / 000364
Instrument Date	Mar 28, 2018
Instrument	713
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$122.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LOCKMILLER BLVD ATHENS TN 373034549, ATHENS, TN 37303-4549

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK TN
Recording Date	Jul 17, 2017
Property Address	321 LILLARD RD, BENTON, TN 37307-4629
Document Number	0000001516
Book / Page	000304 / 000146
Instrument Date	Jul 11, 2017
Instrument	1516
Transaction Type	Foreclosure
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$61.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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	$680.00	$40,275 (-) Land $5,025 Building $35,250
2024	$680.00	$40,275 (-) Land $5,025 Building $35,250
2023	$680.00 (+128.19%)	$40,275 (+239.87%) Land $5,025 Building $35,250	$161,100 (+239.87%) Land $20,100 Building $141,000
2022	$298.00	$11,850 Land $2,550 Building $9,300	$47,400 Land $10,200 Building $37,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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 58% of the US · above 78% of Tennessee
Wildfire Likelihood	0.2% 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	ETOWAH UTILITIES serves 12,851 people · EPA ID TN0000233
Water Source	Surface water
Last State Inspection	Dec 2024
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	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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Twin Lakes.

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