3770 Cleek Echo Dr, Union City, TN 38261 Property Records

Obion County property record for 3770 Cleek Echo Dr, Union City, TN 38261

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,404 sqft · built 1974
Lot Size	0.403 acres (17,575 sqft)
Owner	2 Individual Names on Record
Tax Bill	$529 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`066036O C 01100`

Property Details

APN / Parcel Number

Primary APN	`066036O C 01100`
Alternative APN	`036O C 01100`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	180 sqft
Finished Basement	180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,575 sqft (0.403 acres)
Lot Dimensions	185 ft deep x 95 ft wide
Garage Type	Unfinished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	299 sqft
Deck Area	252 sqft
Patio Area	252 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3770 CLEEK ECHO DR
City	UNION CITY
State	TN
Zip	38261-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING HILLS S/D 60
Legal Subdivision	WHISPERING HILLS
Legal Lot Number	60
Jurisdiction	OBION TN
Township / Civil Division	2
Census Block Group	2
Census Block	2057
Census Tract	965100

Owner

Source: Obion County records, as of January 26, 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	3770 CLEEK ECHO DR, UNION CITY, TN 38261-7404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NATIONAL BANK
Sep 2, 2020	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2003
Deed Sale	Jun 11, 2003
Prior Sale	May 19, 2000 · Amount on Record
Deed Book / Page	26J / 501
Transfer Doc	0026000501
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	3770 CLEEK ECHO DR, UNION CITY, TN 38261-7404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063500
Date	Aug 28, 2020
Book Page	262/244
Instrument	63500

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38025

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OBION TN
Recording Date	Sep 2, 2020
Property Address	3770 CLEEK ECHO DR, UNION CITY, TN 38261-7404
Document Number	0000063597
Book / Page	000262 / 000609
Instrument Date	Aug 28, 2020
Instrument	63597
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3770 CLEEK ECHO DR UNION CITY TN 382617404, UNION CITY, TN 38261-7404

Tax Assessment & Valuation

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	$529.00 (+41.82%)	$38,325 (-) Land $5,000 Building $33,325
2023		$38,325 (+86.04%) Land $5,000 Building $33,325	$153,300 (+86.04%) Land $20,000 Building $133,300
2022		$20,600 Land $2,375 Building $18,225	$82,400 Land $9,500 Building $72,900
2018	$373.00

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 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	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	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.

Drinking Water

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

Water System	UNION CITY WATER DEPT serves 16,180 people · EPA ID TN0000720
Water Source	Groundwater
Last State Inspection	Jun 2022
Lead	2 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cleek Echo Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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