Rutherford County property record for 3431 Laurel Mountain Rd, Murfreesboro, TN 37129
| Property Type | Single Family Home |
|---|---|
| Details | 2.25 ba · 1,432 sqft · built 1995 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,900 (Sep 2015) |
| Tax Bill | $1,337 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 071O-A-038.00-000 |
| Primary APN | 071O-A-038.00-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,432 sqft Living Area |
| 1st Floor Area | 1,432 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Gravel |
| Lot Area | 56,628 sqft (1.3 acres) |
| Lot Dimensions | 350 ft deep x 49.3 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 85 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Water Source | Commercial |
| Account Number | R0042937 |
|---|---|
| Street Address | 3431 LAUREL MOUNTAIN RD |
| City | MURFREESBORO |
| State | TN |
| Zip | 37129-2545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 93 FOOTHILLS SEC 5 PB 14 PG 22 49.27X350.71 IRR |
| Legal Subdivision | THE FOOTHILLS SEC 5 |
| Legal Lot Number | 93 |
| Jurisdiction | RUTHERFORD TN |
| Township / Civil Division | 9 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40807 |
3431 Laurel Mountain Rd is owned and occupied by two individuals who bought it in September 2015.
Source: Rutherford County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3431 LAUREL MOUNTAIN RD, MURFREESBORO, TN 37129-2545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · Line of Credit ASCEND FEDERAL CREDIT UNION |
| Apr 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2015 · Amount on File |
| Deed Sale | Sep 22, 2015 · Amount on File |
| Prior Sale | Jan 17, 2007 |
| Deed Book / Page | 1409 / 2342 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Recording Date | May 27, 2026 |
| Property Address | 3431 LAUREL MOUNTAIN RD, MURFREESBORO, TN 37129-2545 |
| Document Number | 0002650965 |
| Book / Page | 2647 / 3945 |
| Instrument Date | May 8, 2026 |
| Instrument | 20262650965 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3431 LAUREL MOUNTAIN RD, MURFREESBORO, TN 37129-2545 |
| Document Number | 0002650965, |
|---|---|
| Date | May 27, 2026 |
| Book Page | 2647/3945 |
| Instrument | 20262650965 |
| Name | ASCEND FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Property Address | 3431 LAUREL MOUNTAIN RD, MURFREESBORO, TN 37129-2545 |
| Document Number | RB19013784 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3431 LAUREL MOUNTAIN RD MURFREESBORO TN 371292545, MURFREESBORO, TN 37129-2545 |
| Document Number | RB19013784 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 001901/003784 |
| Instrument | 2273766 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 10, 2040 |
The 2025 property tax bill for 3431 Laurel Mountain Rd was $1,337.
Source: Rutherford County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rutherford County |
| Unified School District | Rutherford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $88,875 (+24.69%) Land $27,500 Building $61,375 | $355,500 Land $110,000 Building $245,500 | |
| 2025 | $1,337.00 | $71,275 Land $13,750 Building $57,525 | |
| 2023 | $1,337.00 | $71,275 Land $13,750 Building $57,525 | $285,100 (-) Land $55,000 Building $230,100 |
| 2022 | $285,100 Land $55,000 Building $230,100 |
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.
FEMA maps place 3431 Laurel Mountain Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2010.
Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2010–2022) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Sep 2022 · river or lake flooding |
| 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.
Wildfire risk around 3431 Laurel Mountain Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2026) 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 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| United Communications Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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