403 Carmel Dr, Murfreesboro, TN 37128 Property Records

Rutherford County property record for 403 Carmel Dr, Murfreesboro, TN 37128

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 2,252 sqft · built 2003
Lot Size	0.181 acres (7,894 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,500 (Jan 2019)
Tax Bill	$2,598 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092I-A-012.00-000`

Property Details

APN / Parcel Number

Primary APN	`092I-A-012.00-000`
Alternative APNs	`092I A 01200` `R0057553`

Interior

Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,252 sqft Living Area
1st Floor Area	1,146 sqft
Upper Floors Area	1,106 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	7,894 sqft (0.181 acres)
Lot Dimensions	100 ft deep x 78.9 ft wide
Garage Type	Attached
Garage Area	460 sqft
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Deck Area	Deck Area
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0057553
Street Address	403 CARMEL DR
City	MURFREESBORO
State	TN
Zip	37128-4173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 VICTORY POINTE STATION PB 25 PG 80 78.94 X 100 IRR
Legal Subdivision	VICTORY POINTE SEC 1
Legal Lot Number	24
Jurisdiction	RUTHERFORD TN
Township / Civil Division	20
Census Block Group	1
Census Block	1002
Census Tract	40907

Owner

Source: Rutherford County records, as of August 11, 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	403 CARMEL DR, MURFREESBORO, TN 37128-4173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Jan 7, 2019	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2019 · Amount on Record
Deed Sale	Jan 7, 2019 · Amount on Record
Prior Sale	Mar 29, 2010 · Amount on Record
Deed Document Number	20192185511
Deed Book / Page	1739 / 2781
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	403 CARMEL DR, MURFREESBORO, TN 37128-4173
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19913834
Date	Nov 13, 2020
Book Page	1991/3834
Instrument	2318574

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Jan 7, 2019
Property Address	403 CARMEL DR, MURFREESBORO, TN 37128-4173
Document Number	RB17392781
Book / Page	001739 / 002781
Instrument Date	Jan 3, 2019
Instrument	2185511
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	WAGON WHEEL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,078.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 CARMEL DR MURFREESBORO TN 371284173, MURFREESBORO, TN 37128-4173

Mortgage

Document Number	RB17392783
Date	Jan 7, 2019
Book Page	001739/002783
Instrument	2185512

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2049

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Rutherford County
Municipality	Murfreesboro City
Elementary School District	Murfreesboro City School District (PK - 06)
Secondary School District	Rutherford County School District in Murfreesboro (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$118,200 (+28.69%) Land $35,000 Building $83,200	$472,800 (+28.69%) Land $140,000 Building $332,800
2025	$2,598.00	$91,850 (-) Land $13,750 Building $78,100
2023	$2,598.00 (+10.13%)	$91,850 Land $13,750 Building $78,100	$367,400 (-) Land $55,000 Building $312,400
2022	$2,359.00		$367,400 Land $55,000 Building $312,400

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 January 15, 2026 · 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	5 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 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: United Communications.

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