4 Harding Rd, Leoma, TN 38468 Property Records

Lawrence County property record for 4 Harding Rd, Leoma, TN 38468

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,598 sqft · built 2008
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,500 (Feb 2020)
Tax Bill	$1,215 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050096L A 00200`

Property Details

APN / Parcel Number

Primary APN	`050096L A 00200`
Alternative APN	`096L A 00200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,598 sqft Living Area
1st Floor Area	1,598 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	141 ft deep x 173 ft wide
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 HARDING RD
City	LEOMA
State	TN
Zip	38468-5151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 8; SUBDIVISION: PROSSER PLACE SUBD
Legal Subdivision	PROSSER PLACE
Legal Lot Number	14 173
Jurisdiction	LAWRENCE TN
Township / Civil Division	7
Census Block Group	1
Census Block	1078
Census Tract	960402

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	2 Individual Names on Record
Mailing Address	4 HARDING RD, LEOMA, TN 38468-5151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 7, 2020	Warranty Deed, Transfer · FHA Mortgage LEGACY MUTUAL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2020 · Amount on Record
Deed Sale	Feb 7, 2020 · Amount on Record
Prior Sale	Aug 16, 2010 · Amount on Record
Deed Document Number	000RB58569
Deed Book / Page	RB585 / 69
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	4 HARDING RD, LEOMA, TN 38468-5151
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HARDING RD, LEOMA, TN 38468-5151
Investor	Possibly a Property Investor

Mortgage

Document Number	0000686393
Date	Aug 5, 2022
Book Page	686/393
Instrument	22005369

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Mar 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Feb 7, 2020
Property Address	4 HARDING RD, LEOMA, TN 38468-5151
Document Number	58569
Book / Page	000585 / 000069
Instrument Date	Feb 7, 2020
Instrument	800
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4 HARDING RD LEOMA TN 384685151, LEOMA, TN 38468-5151

Mortgage

Document Number	58571
Date	Feb 7, 2020
Book Page	000585/000071
Instrument	801

Lender

Name	LEGACY MUTUAL MTG
Type	Mortgage Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2050

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	$1,215.00	$60,450 (-) Land $6,250 Building $54,200
2024	$1,215.00	$60,450 (-) Land $6,250 Building $54,200
2023	$1,215.00	$60,450 (-) Land $6,250 Building $54,200
2022	$1,215.00	$60,450 Land $6,250 Building $54,200	$241,800 Land $25,000 Building $216,800

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

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	2 in force
Nearby Flood Claims	3 (1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 1998 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 1998 · 3 claims

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	FALL RIVER RD UTILITY DISTRICT serves 3,988 people · EPA ID TN0000239
Water Source	Groundwater influenced by surface water
Last State Inspection	Sep 2025
Lead	3 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 40 locations within half a mile, as of December 31, 2025

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

May also be available: Skyline Telephone, T-Mobile.

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