386 Circle R Dr, Benton, TN 37307 Property Records

Polk County property record for 386 Circle R Dr, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,568 sqft · built 1998
Owner	Individual Name on File
Last Sale	$220,750 (Aug 2018)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	May 2018 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`070035B A 04000`

Property Details

APN / Parcel Number

Primary APN	`070035B A 04000`
Alternative APN	`035B A 04000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2013
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Terrain	Rolling
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	264 sqft
Patio Area	264 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	386 CIRCLE R DR
City	BENTON
State	TN
Zip	37307-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	CIRCLE R ESTATES
Legal Lot Number	27 26
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	950203

Owner

386 Circle R Dr is owned and occupied by an individual who bought it in August 2018.

Source: Polk County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	386 CIRCLE R DR, BENTON, TN 37307-5003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on File
Deed Sale	Aug 27, 2018 · Amount on File
Deed Document Number	18001836
Deed Book / Page	WD311 / 224
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	386 CIRCLE R DR, BENTON, TN 37307-5003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000970
Date	May 4, 2018
Book Page	TD499/075
Instrument	18000970

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Aug 27, 2018
Property Address	386 CIRCLE R DR, BENTON, TN 37307-5003
Document Number	0WD311/224
Book / Page	WD311 / 224
Map Reference	MB4 PG13
Instrument Date	Aug 17, 2018
Instrument	18001836
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.78
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 CIRCLE R DR, BENTON, TN 37307-5003

Mortgage

Document Number	0018001837
Date	Aug 27, 2018
Instrument	18001837

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 386 Circle R Dr was $1,567, up 5.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,567.00 (+5.17%)	$92,725 (+5.16%) Land $30,000 Building $62,725
2024	$1,490.00	$88,175 (-) Land $30,000 Building $58,175
2023	$1,490.00 (+19.01%)	$88,175 (+76.97%) Land $30,000 Building $58,175	$370,900 (+86.1%) Land $120,000 Building $250,900
2022	$1,252.00	$49,825 Land $15,000 Building $34,825	$199,300 Land $60,000 Building $139,300

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 386 Circle R Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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 386 Circle R Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle R Dr

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