Obion County property record for 404 E Polk St, Troy, TN 38260
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,124 sqft · built 1956 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $55,000 (Apr 2018) |
| Tax Bill | $370 (2018) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066093K B 01900 |
| Primary APN | 066093K B 01900 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,124 sqft Living Area |
| 1st Floor Area | 1,124 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 126 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 88 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 E POLK ST |
|---|---|
| City | TROY |
| State | TN |
| Zip | 38260-5825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LIFE ESTATE |
| Legal Subdivision | LIFE ESTATE |
| Jurisdiction | OBION TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 965400 |
Source: Obion County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 171 COUNTRY VALLEY DR, TROY, TN 38260-3846 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS NATIONAL BANK |
| Apr 16, 2018 | Warranty Deed, Transfer SIMMONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on Record |
| Deed Sale | Apr 16, 2018 · Amount on Record |
| Prior Sale | Oct 5, 1995 · Amount on Record |
| Deed Document Number | 52779 |
| Deed Book / Page | 214 / 540 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OBION TN |
| Property Address | 404 E POLK ST, TROY, TN 38260-5825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 279/150 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 279/150 |
| Instrument | 66862 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OBION TN |
| Recording Date | Apr 16, 2018 |
| Property Address | 404 E POLK ST, TROY, TN 38260-5825 |
| Document Number | 000214/540 |
| Book / Page | 214 / 540 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 52779 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 171 COUNTRY VALLEY DR, TROY, TN 38260-3846 |
| Document Number | 0000052780 |
|---|---|
| Date | Apr 16, 2018 |
| Book Page | 214/542 |
| Instrument | 52780 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | May 1, 2023 |
Source: Obion County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Obion County |
| Municipality | Troy Town |
| Unified School District | Obion County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,050 (-) Land $2,000 Building $18,050 | ||
| 2023 | $20,050 (+95.13%) Land $2,000 Building $18,050 | $80,200 (+95.13%) Land $8,000 Building $72,200 | |
| 2022 | $10,275 Land $2,000 Building $8,275 | $41,100 Land $8,000 Building $33,100 | |
| 2018 | $370.00 |
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.
Source: FEMA National Flood Hazard Layer, effective January 24, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TROY WATER SYSTEM serves 2,096 people · EPA ID TN0000712 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gibson Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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