322 E Main St, Halls, TN 38040 Property Records

Lauderdale County property record for 322 E Main St, Halls, TN 38040

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,789 sqft · built 1935
Lot Size	1.01 acres (44,160 sqft)
Owner	Individual Name on File
Last Sale	$131,010 (Apr 2020)
Tax Bill	$847 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Mar 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`049035G A 03700`

Property Details

APN / Parcel Number

Primary APN	`049035G A 03700`
Alternative APN	`035G A 03700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,789 sqft Living Area
1st Floor Area	1,789 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1988
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,160 sqft (1.01 acres)
Lot Dimensions	320 ft deep x 138 ft wide
Garage Type	Mixed
Garage Area	443 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	322 E MAIN ST
City	HALLS
State	TN
Zip	38040-1603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 12, COUNTY AREA: H05
Jurisdiction	LAUDERDALE TN
Township / Civil Division	8
Census Block Group	2
Census Block	2025
Census Tract	50200

Owner

Source: Lauderdale County records, as of January 26, 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
Co-owner	Co-owner on File
Mailing Address	322 E MAIN ST, HALLS, TN 38040-1603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2024	Deed of Trust, Mortgage · FHA Mortgage VOLUNTEER MORTGAGE LOAN SERVICING
Mar 2, 2023	Deed of Trust, Mortgage · FHA Mortgage TENNESSEE HOUSING DEVELOPMENT AGENCY
Apr 15, 2020	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Oct 7, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BANKTENNESSEE
Aug 30, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jun 18, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Aug 8, 2018	Loan Modification, Mortgage BANKTENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on File
Deed Sale	Apr 15, 2020 · Amount on File
Prior Sale	Aug 30, 2019 · Amount on File
Deed Document Number	191669
Deed Book / Page	738 / 495
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E MAIN ST, HALLS, TN 38040-1603

Mortgage

Document Number	000812/648
Date	Oct 18, 2024
Book Page	812/648
Instrument	207616

Lender

Name	VOLUNTEER MORTGAGE LOAN SERVICING
Address	404 JAMES ROBERTSON PKWY STE 1450, NASHVILLE, TN 37219

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	May 1, 2050

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E MAIN ST, HALLS, TN 38040-1603

Mortgage

Document Number	000786/618
Date	Mar 2, 2023
Book Page	786/618
Instrument	202144

Lender

Name	TENNESSEE HOUSING DEVELOPMENT AGENCY
Type	Government Agency
Address	NASHVILLE, TN 37243

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	326 Months
Due	May 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Apr 15, 2020
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Document Number	000738/495
Book / Page	738 / 495
Instrument Date	Apr 6, 2020
Instrument	191669
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FAYETTE COUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.74
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E MAIN ST, HALLS, TN 38040-1603

Mortgage

Document Number	0000191670
Date	Apr 15, 2020
Instrument	191670

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Mortgage

Document Number	000738/512
Date	Apr 15, 2020
Book Page	738/512
Instrument	191671

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Oct 7, 2019
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Book / Page	000731 / 000765
Instrument Date	Sep 30, 2019
Instrument	189976
Transaction Type	Construction Loan
Record Updated	Oct 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 ARP CENTRAL RD RIPLEY TN 380635977, RIPLEY, TN 38063-5977

Mortgage

Document Number	0000189976
Date	Oct 7, 2019
Book Page	000731/000765
Instrument	189976

Lender

Name	BANKTENNESSEE
Type	Bank
Address	RIPLEY, TN 38063

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 6, 2020

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Aug 30, 2019
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Document Number	0000189677
Book / Page	000730 / 000384
Instrument Date	Aug 15, 2019
Instrument	189677
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$112.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E MAIN ST HALLS TN 380401603, HALLS, TN 38040-1603

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Jun 18, 2019
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Document Number	0000189064
Book / Page	000728 / 000024
Instrument Date	Jun 12, 2019
Instrument	189064
Transaction Type	Foreclosure
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$62.90
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1125 W POPLAR AVE COLLIERVILLE TN 380173102, COLLIERVILLE, TN 38017-3102

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAUDERDALE TN
Property Address	322 E MAIN ST, HALLS, TN 38040-1603
Document Number	0000186615
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E MAIN ST HALLS TN 380401603, HALLS, TN 38040-1603

Mortgage

Document Number	0000186615
Date	Aug 30, 2018
Book Page	000717/000518
Instrument	186615

Lender

Name	BANKTENNESSEE
Type	Bank
Address	MUNFORD, TN 38058

Agreement

Term	300 Months
Due	Aug 29, 2043

Interest

Rate	6.73%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Lauderdale County
Municipality	Halls Town
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$847.00	$33,350 (-) Land $3,700 Building $29,650
2024	$847.00 (-19.87%)	$33,350 (-) Land $3,700 Building $29,650
2023		$33,350 Land $3,700 Building $29,650
2021			$133,400 Land $14,800 Building $118,600
2018	$1,057.00

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 September 28, 2007 · 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	4 in force
Nearby Flood Claims	4 (1997–2016)
Most Recent Claim	Mar 2016 · other causes

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	Not rated no burnable land within 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	HALLS WATER SYSTEM serves 5,287 people · EPA ID TN0000279
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Forked Deer Connect.

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