404 Sapling St, Clarksville, TN 37042 Property Records

Montgomery County property record for 404 Sapling St, Clarksville, TN 37042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,480 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Mar 2021)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43P I 1.00`

Property Details

APN / Parcel Number

Primary APN	`43P I 1.00`
Alternative APNs	`043P I 00100 000` `404829`

Interior

Bedrooms	3 Beds
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,480 sqft Living Area
Gross Area	2,033 sqft
1st Floor Area	677 sqft
Upper Floors Area	803 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	469 sqft
Driveway	Driveway
Driveway Area	700 sqft

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	404 SAPLING ST
City	CLARKSVILLE
State	TN
Zip	37042-1685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SUBDIVISION: MAGNOLIA PLACE BLOCK: 1B LOT: 12 PLAT BOOK: G PLAT PAGE: 257 PCL SPLIT OFF 43-36 T-15; HOA V1590-2317
Legal Subdivision	MAGNOLIA PLACE
Legal Block	1B
Legal Lot Number	12
Jurisdiction	MONTGOMERY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3006
Census Tract	101102

Owner

Source: Montgomery County records, as of May 26, 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
Mailing Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 30, 2021	Warranty Deed, Transfer · VA Mortgage SECURITY NATIONAL MORTGAGE CO
May 16, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS
Jan 27, 2017	Warranty Deed, Transfer LEGENDS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	May 16, 2017 · Amount on Record
Deed Document Number	20211308068
Deed Book / Page	2076 / 1168
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02177/1713
Date	Jan 13, 2022
Book Page	2177/1713
Instrument	1358677

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Mar 30, 2021
Property Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685
Document Number	02076/1168
Book / Page	2076 / 1168
Map Reference	MB G PG 257
Instrument Date	Mar 26, 2021
Instrument	1308068
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	FREEDOM TITLE SERVICES, FREEDOM TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685

Mortgage

Document Number	0001308069
Date	Mar 30, 2021
Instrument	1308069

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	May 16, 2017
Property Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685
Document Number	0001122099
Book / Page	001741 / 001944
Instrument Date	May 11, 2017
Instrument	1122099
Transaction Type	Subdivision Related Transfer
Record Updated	May 26, 2017
Title Company	FOUNDATION TITLE, FOUNDATION TITLE AND ESCROW SERI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$599.00
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	404 SAPLING ST CLARKSVILLE TN 370421685, CLARKSVILLE, TN 37042-1685

Mortgage

Document Number	1122100
Date	May 16, 2017
Book Page	001741/001946
Instrument	1122100

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jan 27, 2017
Property Address	404 SAPLING ST, CLARKSVILLE, TN 37042-1685
Document Number	001722/231
Book / Page	1722 / 231
Instrument Date	Jan 26, 2017
Instrument	1110072
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 AVEBURY CT, CLARKSVILLE, TN 37040-4527
Investor	Possibly a Property Investor

Mortgage

Document Number	001722/233
Date	Jan 27, 2017
Book Page	1722/233
Instrument	1110073

Lender

Name	LEGENDS BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Municipality	Clarksville City
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,154.00 (+1.32%)	$71,350 (-)	$285,400 (-) Land $57,000 Building $228,400
2024	$2,126.00 (+16.24%)	$71,350 (+64.59%)	$285,400 (+64.59%) Land $57,000 Building $228,400
2023	$1,829.00	$43,350 (-)
2022	$1,829.00	$43,350	$173,400 Land $30,000 Building $143,400

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 14, 2021 · 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	3 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Nov 2001 · rainfall accumulation

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	0.01% 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	CLARKSVILLE WATER DEPARTMENT serves 251,864 people · EPA ID TN0000116
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	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	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 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
CDE Lightband Fiber	1,000 / 1,000

May also be available: Verizon, Xfinity.

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