325 Commerce St, Clarksville, TN 37040 Property Records

Montgomery County property record for 325 Commerce St, Clarksville, TN 37040

Property Summary

Property Type	Bank, Financial Building
Details	4 ba · 7,196 sqft · built 2004
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Tax Bill	$29,120 (2025)
Deeds & Mortgages	Dec 2020 Construction Loan Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`66G J 18.00`

Property Details

APN / Parcel Number

Primary APN	`66G J 18.00`
Alternative APNs	`066G J 01800 000` `44842`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	7,196 sqft Total Area
1st Floor Area	7,228 sqft
Upper Floors Area	3,468 sqft
Basement Area	3,364 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	135 ft deep x 197 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	924 sqft
Carport	Carport
Carport Area	924 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	325 COMMERCE ST
City	CLARKSVILLE
State	TN
Zip	37040-3609
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	CBD
Legal Description	CBID-CBD PRORATED T-99 TORNADO;QC V867-94 T-03; PLANTERS BANK;PCL SZ INC W/ADD OF 66G-J-19-21 T-03; PRORATED 9 MTHS T-04; P/U
Jurisdiction	MONTGOMERY TN
Township / Civil Division	5
Census Block Group	1
Census Block	1034
Census Tract	100100

Owner

Source: Montgomery County records, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	325 COMMERCE ST, CLARKSVILLE, TN 37040-3609
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Construction Loan · Construction Mortgage PLANTERS BK
Sep 22, 2020	Warranty Deed, Transfer NOT AVAILABLE
Jul 14, 2020	Deed of Trust, Mortgage · Line of Credit HAYSE MCGAHEY
Jul 16, 2018	Trustee's Deed, Construction Loan · Construction Mortgage PLANTERS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2002
Deed Sale	Dec 2, 2002
Prior Sale	Dec 2, 2002 · Amount on Record
Deed Book / Page	867 / 94
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Recording Date	Dec 21, 2020
Property Address	325 COMMERCE ST, CLARKSVILLE, TN 37040-3609
Document Number	0001291766
Book / Page	002042 / 002664
Instrument Date	Dec 21, 2020
Instrument	1291766
Transaction Type	Construction Loan
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	325 COMMERCE ST CLARKSVILLE TN 370403609, CLARKSVILLE, TN 37040-3609
Investor	Possibly a Property Investor

Mortgage

Document Number	0001291766
Date	Dec 21, 2020
Book Page	002042/002664
Instrument	1291766

Lender

Name	PLANTERS BK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Sep 22, 2020
Property Address	325 COMMERCE ST, CLARKSVILLE, TN 37040-3609
Document Number	0001276093
Book / Page	002012 / 001990
Instrument Date	Aug 28, 2020
Instrument	1276093
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 COMMERCE ST CLARKSVILLE TN 370403609, CLARKSVILLE, TN 37040-3609

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	325 COMMERCE ST, CLARKSVILLE, TN 37040-3609
Document Number	0001267553
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	325 COMMERCE ST CLARKSVILLE TN 370403609, CLARKSVILLE, TN 37040-3609

Mortgage

Document Number	0001267553
Date	Jul 30, 2020
Book Page	001993/002388
Instrument	1267553

Lender

Name	HAYSE MCGAHEY
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jul 16, 2018
Property Address	325 COMMERCE ST, CLARKSVILLE, TN 37040-3609
Book / Page	001824 / 001233
Instrument Date	Jul 13, 2018
Instrument	1172553
Transaction Type	Construction Loan
Record Updated	Aug 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 POND APPLE RD CLARKSVILLE TN 370432206, CLARKSVILLE, TN 37043-2206

Mortgage

Document Number	0001172553
Date	Jul 16, 2018
Book Page	001824/001233
Instrument	1172553

Lender

Name	PLANTERS BK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Municipality	Clarksville City
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,120.00 (+1.34%)	$964,240 (-)	$2,410,600 (-) Land $1,002,400 Building $1,408,200
2024	$28,734.00 (-2.49%)	$964,240 (+38.09%)	$2,410,600 (+38.09%) Land $1,002,400 Building $1,408,200
2023	$29,468.00	$698,280 (-)
2022	$29,468.00	$698,280	$1,745,700 Land $527,000 Building $1,218,700

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 14, 2021 · 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	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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	CLARKSVILLE WATER DEPARTMENT serves 251,864 people · EPA ID TN0000116
Water Source	Surface water
Last State Inspection	Aug 2023
Also Mapped Here	LOGAN-TODD REGIONAL WATER COMMISSION
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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
CDE Lightband Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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