364 Whispering Pines, Harrogate, TN 37752 Property Records

Claiborne County property record for 364 Whispering Pines, Harrogate, TN 37752

Property Summary

Property Type	Rural Home
Details	6 ba · 7,881 sqft · built 1978
Lot Size	15.6 acres (679,536 sqft)
Owner	Individual Name on Record
Last Sale	$875,000 (Jul 2015)
Tax Bill	$7,287 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013029 09501`

Property Details

APN / Parcel Number

Primary APN	`013029 09501`
Alternative APN	`029 09501`

Interior

Full Baths	6 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	3 Stories
Building Area	7,881 sqft Living Area
1st Floor Area	4,566 sqft
Upper Floors Area	3,315 sqft
Attic	Attic
Attic Area	3,315 sqft
Basement Area	3,315 sqft
Finished Basement	3,315 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	679,536 sqft (15.6 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	1,110 sqft
Carport	Carport
Carport Area	1,110 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Patio
Porch Area	738 sqft
Patio Area	1 sqft
Utility Building	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	364 WHISPERING PNES
City	HARROGATE
State	TN
Zip	37752
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 06, GREENBELT# 4030 BK 1246 PG 532, COUNTY AREA: H01
Jurisdiction	CLAIBORNE TN
Township / Civil Division	7
Census Block Group	2
Census Block	2008
Census Tract	970300

Owner

Source: Claiborne County records, as of July 13, 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
Mailing Address	PO BOX 540, HARROGATE, TN 37752-0540
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage COMMERCIAL BANK
Jun 8, 2022	Deed of Trust, Mortgage COMMERCIAL BANK
Feb 22, 2022	Intrafamily Transfer, Transfer
May 2, 2017	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2015 · Amount on Record
Deed Sale	Jul 30, 2015 · Amount on Record
Prior Sale	Jan 2, 1982
Deed Document Number	20152547
Deed Book / Page	1435 / 181
Last Transfer Date	Feb 15, 2022
Transfer Doc	0001599464
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724

Mortgage

Document Number	0001611563
Date	Jun 21, 2022
Book Page	1611/563
Instrument	22003722

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAIBORNE TN
Property Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724

Mortgage

Document Number	0001610235
Date	Jun 8, 2022
Book Page	1610/235
Instrument	22003490

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Amount	Amount Recorded
Term	11 Months
Due	May 27, 2023

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAIBORNE TN
Recording Date	Feb 22, 2022
Property Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724
Document Number	0001599464
Book / Page	1599 / 464
Instrument Date	Feb 15, 2022
Instrument	22001714
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 540, HARROGATE, TN 37752-0540

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAIBORNE TN
Property Address	364 WHISPERING PNES, CUMBERLAND GAP, TN 37724
Document Number	1476351
Book / Page	001476 / 000351
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 540 HARROGATE TN 377520540, HARROGATE, TN 37752-0540

Tax Assessment & Valuation

Source: Claiborne County assessment roll, as of January 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,287.00 (+16.99%) Additional exemption filed	$311,425 (-) Land $7,475 Building $303,950
2022	$6,229.00	$311,425 Land $7,475 Building $303,950	$1,289,000 Land $73,200 Building $1,215,800

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 March 16, 2015 · 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	3 in force
Nearby Flood Claims	2 (2001–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2003 · Severe Storms And Flooding

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 67% of the US · above 91% of Tennessee
Wildfire Likelihood	0.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ARTHUR-SHAWANEE UTILITY DISTRICT serves 10,037 people · EPA ID TN0000022
Water Source	Surface water
Last State Inspection	May 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	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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
MountaiNet Telephone Company Fiber	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

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