3766 S Bluff Rd, Obion, TN 38240 Property Records

Obion County property record for 3766 S Bluff Rd, Obion, TN 38240

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,706 sqft · built 1981
Lot Size	4.61 acres (200,812 sqft)
Owner	2 Individual Names on File
Last Sale	$167,900 (Jul 2021)
Tax Bill	$573 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066150 00606`

Property Details

APN / Parcel Number

Primary APN	`066150 00606`
Alternative APN	`150 00606`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,706 sqft Living Area
1st Floor Area	1,106 sqft
Upper Floors Area	600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	200,812 sqft (4.61 acres)
Terrain	Rolling

Exterior Amenities

Pool Type	Pool Type
Pool Area	480 sqft
Porch	Slab
Porch Area	134 sqft
Deck Area	48 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3766 S BLUFF RD
City	OBION
State	TN
Zip	38240-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HURTLE THURMAN FARM TRACT 3
Legal Subdivision	HURTLE THURMAN FARM
Legal Tract	3
Jurisdiction	OBION TN
Township / Civil Division	5
Census Block Group	3
Census Block	3023
Census Tract	965300

Owner

3766 S Bluff Rd is owned and occupied by two individuals who bought it in July 2021.

Source: Obion County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3766 S BLUFF RD, OBION, TN 38240-4008
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.

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit SIMMONS BANK
Jul 29, 2021	Intrafamily Transfer, Transfer
Jul 29, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 25, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Feb 1, 2017	Warranty Deed, Transfer DYER LAND TITLE COMPANY, DYER LAND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Apr 25, 2018 · Amount on File
Deed Document Number	202168897
Deed Book / Page	291 / 97
Prior Transfer Date	Jul 24, 2021
Prior Transfer Doc	0000291/95
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	3766 S BLUFF RD, OBION, TN 38240-4008
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000323/372
Date	May 18, 2022
Book Page	323/372
Instrument	73560

Lender

Name	SIMMONS BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 9, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OBION TN
Recording Date	Jul 29, 2021
Property Address	3766 S BLUFF RD, OBION, TN 38240-4008
Document Number	291/95
Book / Page	291 / 95
Instrument Date	Jul 24, 2021
Instrument	68896
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 S BLUFF RD, OBION, TN 38240-4008

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Jul 29, 2021
Property Address	3766 S BLUFF RD, OBION, TN 38240-4008
Document Number	291/97
Book / Page	291 / 97
Instrument Date	Jul 23, 2021
Instrument	68897
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$621.23
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 S BLUFF RD, OBION, TN 38240-4008

Mortgage

Document Number	68898
Date	Jul 29, 2021
Instrument	68898

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Apr 25, 2018
Property Address	3766 S BLUFF RD, OBION, TN 38240-4008
Document Number	0000052961
Book / Page	000215 / 000181
Instrument Date	Apr 13, 2018
Instrument	52961
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	DYER LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3766 S BLUFF RD OBION TN 382404008, OBION, TN 38240-4008

Mortgage

Document Number	52962
Date	Apr 25, 2018
Book Page	000215/000184
Instrument	52962

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2048

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Feb 1, 2017
Property Address	3766 S BLUFF RD, OBION, TN 38240-4008
Document Number	0000047186
Book / Page	000189 / 000464
Instrument Date	Jan 25, 2017
Instrument	47186
Transaction Type	Transfer
Record Updated	Feb 7, 2017
Title Company	DYER LAND TITLE COMPANY, DYER LAND TITLE CO

Transaction

Amount	Amount on Record
Tax	$209.98
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	370 MAGNOLIA RD TIPTONVILLE TN 380793202, TIPTONVILLE, TN 38079-3202

Tax Assessment & Valuation

The 2025 property tax bill for 3766 S Bluff Rd was $573.

Source: Obion County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$573.00	$41,525 Land $5,625 Building $35,900
2023		$41,525 Land $5,625 Building $35,900	$166,100 Land $22,500 Building $143,600

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

FEMA maps place 3766 S Bluff Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 24, 2024 · 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	1 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

Wildfire risk around 3766 S Bluff Rd is low, with a 0.04% 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	0.04% 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	ELBRIDGE WATER ASSOCIATION serves 3,239 people · EPA ID TN0000220
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Bluff Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures