Humphreys County property record for 326 E Main St, Waverly, TN 37185
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,360 sqft · built 1951 |
| Lot Size | 0.573 acres (25,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $107,000 (Oct 2008) |
| Tax Bill | $1,443 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043064G H 01100 |
| Primary APN | 043064G H 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Attic Area | 1,160 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,000 sqft (0.573 acres) |
| Lot Dimensions | 250 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 308 sqft |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 470 sqft |
| Utility Building | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 326 E MAIN ST |
|---|---|
| City | WAVERLY |
| State | TN |
| Zip | 37185-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 00 |
| Legal Description | DISTRICT: 02, COUNTY AREA: W06 |
| Legal Subdivision | LUCAS LAND & LUMBER |
| Legal Block | A |
| Jurisdiction | HUMPHREYS TN |
| Township / Civil Division | 3 |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 130300 |
Source: Humphreys County records, as of January 26, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Mar 23, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Apr 18, 2017 | Deed of Trust, Mortgage · VA Mortgage SUNTRUST BANK |
| Mar 5, 2020 | Intrafamily Transfer, Transfer · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2008 · Amount on Record |
| Deed Sale | Oct 22, 2008 · Amount on Record |
| Prior Sale | Oct 21, 2008 · Amount on Record |
| Deed Document Number | 0000003133 |
| Last Transfer Date | Mar 5, 2020 |
| Transfer Doc | 0000000742 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Property Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Document Number | 3465 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 240/1200 |
| Instrument | 21003465 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | FORT WORTH, TX 76155 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Property Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1002 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 237/2913 |
| Instrument | 21001002 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Property Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000894 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 225/1543 |
| Instrument | 17000894 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HUMPHREYS TN |
| Recording Date | Mar 5, 2020 |
| Property Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Document Number | 0000000742 |
| Book / Page | 208 / 2539 |
| Map Reference | MB 28 PG 58 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 20000742 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | COMMONWEALTH USA SETMNTS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 326 E MAIN ST, WAVERLY, TN 37185-2126 |
| Document Number | 0000000743 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 20000743 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
Source: Humphreys County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Humphreys County |
| Municipality | Waverly City |
| Unified School District | Humphreys County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,443.00 (-0.35%) | $47,525 (-) Land $5,200 Building $42,325 | |
| 2024 | $1,448.00 | $47,525 (-) Land $5,200 Building $42,325 | |
| 2023 | $1,448.00 (+34.2%) | $47,525 (+41.34%) Land $5,200 Building $42,325 | $190,100 (+41.34%) Land $20,800 Building $169,300 |
| 2022 | $1,079.00 | $33,625 Land $5,250 Building $28,375 | $134,500 Land $21,000 Building $113,500 |
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.
Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 72 (1984–2021) |
| Claims Outside the SFHA | 9 of 72 |
| Most Recent Claim | Aug 2021 · rainfall accumulation |
| Claims by Event |
|
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.
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAVERLY WATER DEPARTMENT serves 9,270 people · EPA ID TN0000733 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| GigFire Fiber · Fixed Wireless | 1,000 / 1,000 |
| Meriwether Lewis Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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