3392 Phillips Flats Rd, Oneida, TN 37841 Property Records

Scott County property record for 3392 Phillips Flats Rd, Oneida, TN 37841

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,432 sqft · built 1967
Lot Size	14.6 acres (638,590 sqft)
Owner	2 Individual Names on File
Last Sale	$187,200 (Mar 2022)
Tax Bill	$923 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`076071 00601`

Property Details

APN / Parcel Number

Primary APN	`076071 00601`
Alternative APN	`071 00601`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,432 sqft
Finished Basement	288 sqft
Unfinished Basement	1,144 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	638,590 sqft (14.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	408 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	3392 PHILLIPS FLATS RD
City	ONEIDA
State	TN
Zip	37841-7219
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SCOTT TN
Township / Civil Division	3
Census Block Group	2
Census Block	2043
Census Tract	975000

Owner

Source: Scott County assessment roll, as of January 27, 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 File
Mailing Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF ONEIDA
Jun 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF ONEIDA
Mar 4, 2022	Warranty Deed, Transfer · Conventional Mortgage SUN FEDERAL CREDIT UNION
Sep 11, 2019	Warranty Deed, Transfer
Sep 11, 2019	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK
Aug 1, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Document Number	2022564
Deed Book / Page	46 / 94
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT TN
Recording Date	May 18, 2026
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Document Number	0000003138
Book / Page	107 / 575
Instrument Date	May 7, 2026
Instrument	20263138
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219

Mortgage

Document Number	0000003138,
Date	May 18, 2026
Book Page	107/575
Instrument	20263138

Lender

Name	FIRST NATIONAL BANK OF ONEIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 12, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT TN
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PHILLIPS FLATS RD

Mortgage

Document Number	0000000050/0000000506
Date	Jun 8, 2022
Book Page	0000000050/0000000506
Instrument	22001581

Lender

Name	FIRST NATIONAL BANK OF ONEIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2032

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT TN
Recording Date	Mar 4, 2022
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Document Number	0000046/94
Book / Page	46 / 94
Instrument Date	Feb 24, 2022
Instrument	22000564
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6070, LIVE OAK, FL 32064-6070

Mortgage

Document Number	0000000046/0000000098
Date	Mar 4, 2022
Book Page	0000000046/0000000098
Instrument	22000565

Lender

Name	SUN FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	168 Months
Due	Jan 1, 2036

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT TN
Recording Date	Sep 11, 2019
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Document Number	000010/586
Book / Page	10 / 586
Instrument Date	Aug 30, 2019
Instrument	19002372
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT TN
Recording Date	Sep 11, 2019
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Document Number	000010/586
Book / Page	10 / 586
Instrument Date	Aug 30, 2019
Instrument	19002372
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219

Mortgage

Document Number	0000000010/0000000589
Date	Sep 11, 2019
Book Page	0000000010/0000000589
Instrument	19002373

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT TN
Recording Date	Aug 1, 2019
Property Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219
Document Number	000009/134
Book / Page	9 / 134
Instrument Date	Jan 16, 2019
Instrument	19001996
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 PHILLIPS FLATS RD, ONEIDA, TN 37841-7219

Tax Assessment & Valuation

Source: Scott County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$923.00	$57,675 (-) Land $19,800 Building $37,875
2023		$57,675 Land $19,800 Building $37,875	$230,700 Land $79,200 Building $151,500

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.

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	2 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	High above 78% of the US · above 98.5% of Tennessee
Wildfire Likelihood	0.6% 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	ONEIDA WATER AND SEWER COMMISSION serves 11,600 people · EPA ID TN0000532
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017 Total trihalomethanes resolved · Jan 2017
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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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