38 Otha Rd, Summertown, TN 38483 Property Records

Lawrence County property record for 38 Otha Rd, Summertown, TN 38483

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,624 sqft · built 1988
Lot Size	10.4 acres (453,024 sqft)
Owner	Owner Name on Record
Last Sale	$83,000 (Nov 1993)
Tax Bill	$1,069 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050023 03802`

Property Details

APN / Parcel Number

Primary APN	`050023 03802`
Alternative APN	`023 03802`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	2,408 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	453,024 sqft (10.4 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	160 sqft
Utility Building	176 sqft
Pole Barn	720 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	38 OTHA RD
City	SUMMERTOWN
State	TN
Zip	38483-7104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14
Jurisdiction	LAWRENCE TN
Township / Civil Division	10
Census Block Group	2
Census Block	2053
Census Tract	960100

Owner

Source: Lawrence County records, as of January 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	38 OTHA RD, SUMMERTOWN, TN 38483-7104
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BK
Jun 27, 2018	Deed of Trust, Mortgage · Conventional with PMI FIRST FARMERS & MERCHANTS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 1993 · Amount on Record
Deed Sale	Nov 17, 1993 · Amount on Record
Prior Sale	Nov 17, 1993 · Amount on Record
Deed Book / Page	023
Last Transfer Date	Dec 27, 1994
Transfer Doc	0000000278
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	38 OTHA RD, SUMMERTOWN, TN 38483-7104
Document Number	53867
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 OTHA RD SUMMERTOWN TN 384837104, SUMMERTOWN, TN 38483-7104

Mortgage

Document Number	53867
Date	Jul 3, 2018
Book Page	000538/000067
Instrument	3367

Lender

Name	FIRST FARMERS & MERCHANTS BK
Type	Bank
Address	COLUMBIA, TN 38402-1148

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 2, 2028

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	38 OTHA RD, SUMMERTOWN, TN 38483-7104
Document Number	53827
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	38 OTHA RD SUMMERTOWN TN 384837104, SUMMERTOWN, TN 38483-7104

Mortgage

Document Number	53827
Date	Jul 2, 2018
Book Page	000538/000027
Instrument	3358

Lender

Name	FIRST FARMERS & MERCHANTS BK
Type	Bank
Address	COLUMBIA, TN 38402-1148

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,069.00	$53,175 (-) Land $10,100 Building $43,075
2023	$1,069.00	$53,175 (-) Land $10,100 Building $43,075
2022	$1,069.00	$53,175 Land $10,100 Building $43,075	$212,700 Land $40,400 Building $172,300

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 November 17, 2016 · 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

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	0.02% 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	SUMMERTOWN UTILITY DISTRICT serves 5,593 people · EPA ID TN0000676
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2025) action level 15 ppb
Copper	2.19 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control May 2018
Monitoring and Reporting	5 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyline Telephone DSL	10 / 1

May also be available: Cloud 9 Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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