388 Riverbend Dr, Dayton, TN 37321 Property Records

Rhea County property record for 388 Riverbend Dr, Dayton, TN 37321

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,793 sqft · built 1992
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Oct 2010)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072104A A 01600`

Property Details

APN / Parcel Number

Primary APN	`072104A A 01600`
Alternative APN	`104A A 01600`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,793 sqft Living Area
1st Floor Area	1,737 sqft
Upper Floors Area	1,737 sqft
Basement Area	1,737 sqft
Finished Basement	1,044 sqft
Unfinished Basement	693 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Lot Dimensions	188 ft deep x 107 ft wide
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	168 sqft
Patio Area	150 sqft
Boat Access	Boat Access
Boat House	550 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	388 RIVERBEND DR
City	DAYTON
State	TN
Zip	37321-5336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 3; SUBDIVISION: RIVERBEND ESTATES
Legal Subdivision	RIVERBEND ESTATES
Legal Lot Number	16
Jurisdiction	RHEA TN
Township / Civil Division	7
Census Block Group	3
Census Block	3016
Census Tract	975200

Owner

388 Riverbend Dr is owned by two individuals who bought it in October 2010.

Source: Rhea County records, as of June 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4686 LAKE BREEZE DR, MCKINNEY, TX 75071-4013
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 22, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Apr 20, 2022	Deed of Trust, Mortgage · Line of Credit TRUST FCU
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit TRUST FCU
Dec 13, 2017	Deed of Trust, Mortgage · Line of Credit TRUST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2010 · Amount on File
Deed Sale	Oct 8, 2010 · Amount on File
Prior Sale	Jun 27, 2002 · Amount on File
Deed Book / Page	407 / 3
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Recording Date	May 22, 2026
Property Address	388 RIVERBEND DR, DAYTON, TN 37321-5336
Document Number	0000033384
Book / Page	750 / 485
Instrument Date	May 21, 2026
Instrument	202633384
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4686 LAKE BREEZE DR, MCKINNEY, TX 75071-4013

Mortgage

Document Number	0000033384,
Date	May 22, 2026
Book Page	750/485
Instrument	202633384

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	388 RIVERBEND DR, DAYTON, TN 37321-5336
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013439
Date	Apr 20, 2022
Book Page	T673/237
Instrument	22013439

Lender

Name	TRUST FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	388 RIVERBEND DR, DAYTON, TN 37321-5336
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016526
Date	Oct 31, 2022
Book Page	T684/561
Instrument	22016526

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	388 RIVERBEND DR, DAYTON, TN 37321-5336
Document Number	0000001695
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	FOUNDATION TITLE, FOUNDATION TITLE & ESCROW CHAT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	388 RIVERBEND DR DAYTON TN 373215336, DAYTON, TN 37321-5336

Mortgage

Document Number	0000001695
Date	May 7, 2020
Book Page	000627/000239
Instrument	1695

Lender

Name	TRUST FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 6, 2040

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	388 RIVERBEND DR, DAYTON, TN 37321-5336
Document Number	0000004462
Book / Page	000586 / 000759
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	PIONEER TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	388 RIVERBEND DR DAYTON TN 373215336, DAYTON, TN 37321-5336

Mortgage

Document Number	0000004462
Date	Dec 20, 2017
Book Page	000586/000759
Instrument	4462

Lender

Name	TRUST FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 19, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 388 Riverbend Dr was $2,786.

Source: Rhea County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,786.00	$206,575 (-) Land $48,050 Building $158,525
2024	$2,786.00	$206,575 Land $48,050 Building $158,525	$826,300 Land $192,200 Building $634,100
2022		$123,050 Land $28,750 Building $94,300	$492,200 Land $115,000 Building $377,200
2021	$2,775.00

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 388 Riverbend Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 388 Riverbend Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.06% 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	DAYTON WATER DEPT serves 25,054 people · EPA ID TN0000174
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2024
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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: BTC Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Riverbend Dr

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