345 Cave Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 345 Cave Rd, Rutledge, TN 37861

Property Summary

Property Type	Rural Home
Details	3 ba · 2,303 sqft · built 2017
Lot Size	15.4 acres (672,131 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029087 01902`

Property Details

APN / Parcel Number

Primary APN	`029087 01902`
Alternative APN	`087 01902`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,303 sqft Living Area
1st Floor Area	2,004 sqft
Upper Floors Area	996 sqft
Basement Area	2,004 sqft
Unfinished Basement	2,004 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	672,131 sqft (15.4 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,396 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	345 CAVE RD
City	RUTLEDGE
State	TN
Zip	37861-4321
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DIST:03 MAP REF:087
Jurisdiction	GRAINGER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1038
Census Tract	500200

Owner

Source: Grainger County records, as of January 28, 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 Record
Mailing Address	PO BOX 35180, LOUISVILLE, KY 40232-5180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Aug 18, 2020	Deed of Trust, Mortgage FARM CREDIT MID AMERICA FLCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2022
Deed Sale	Jan 5, 2022
Deed Document Number	0004011219
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	345 CAVE RD, RUTLEDGE, TN 37861-4321
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	996
Date	Apr 20, 2017
Book Page	361/1508
Instrument	17000996

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	345 CAVE RD, RUTLEDGE, TN 37861-4321
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9794
Date	Aug 18, 2020
Book Page	386/1868
Instrument	20009794

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40299

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,982.00 Additional exemption filed	$84,350 (-) Land $5,475 Building $78,875
2023	Additional exemption filed	$84,350 Land $5,475 Building $78,875
2021			$360,900 Land $45,400 Building $315,500

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 December 16, 2008 · 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	Moderate above 59% of the US · above 80% of Tennessee
Wildfire Likelihood	0.2% 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	LUTTRELL-BLAINE-CORRYTON U.D. serves 10,529 people · EPA ID TN0000415
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	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	1 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000

Cell Coverage

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

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