405 Murray Ln, Counce, TN 38326 Property Records

Hardin County property record for 405 Murray Ln, Counce, TN 38326

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,313 sqft · built 2001
Lot Size	1.03 acres (44,850 sqft)
Owner	2 Individual Names on File
Last Sale	$231,800 (Jun 2021)
Tax Bill	$889 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036155F D 00500`

Property Details

APN / Parcel Number

Primary APN	`036155F D 00500`
Alternative APN	`155F D 00500`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,313 sqft Living Area
1st Floor Area	1,048 sqft
Upper Floors Area	442 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,850 sqft (1.03 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	520 sqft
Deck Area	204 sqft
Patio Area	490 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 MURRAY LN
City	COUNCE
State	TN
Zip	38326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODS AT PICKWICK THE-PH 6 5
Legal Subdivision	WOODS AT PICKWICK THE-PH 6
Legal Lot Number	5
Jurisdiction	HARDIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3002
Census Tract	920600

Owner

405 Murray Ln is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 MURRAY LN, COUNCE, TN 38326
Occupancy	Owner Occupied
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
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit MEMPHIS CITY EMPLOYEES CU
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Nov 1, 2007 · Amount on File
Deed Document Number	2021154669
Deed Book / Page	766 / 842
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN TN
Property Address	405 MURRAY LN, COUNCE, TN 38326
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000812391
Date	Oct 17, 2022
Book Page	812/391
Instrument	164983

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	38155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN TN
Recording Date	Jun 1, 2021
Property Address	405 MURRAY LN, COUNCE, TN 38326
Document Number	0000766842
Book / Page	766 / 842
Map Reference	CAB 5 SL 97
Instrument Date	May 27, 2021
Instrument	154669
Transaction Type	Transfer
Record Updated	Mar 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$857.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MURRAY LN, COUNCE, TN 38326

Mortgage

Document Number	0000154672
Date	Jun 1, 2021
Instrument	154672

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 Murray Ln was $889.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$889.00	$50,825 Land $5,250 Building $45,575
2023	$889.00 (+19.33%)	$50,825 (+40.59%) Land $5,250 Building $45,575	$203,300 (+40.59%) Land $21,000 Building $182,300
2022	$745.00	$36,150 Land $5,250 Building $30,900	$144,600 Land $21,000 Building $123,600

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 405 Murray Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective June 16, 2006 · 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	4 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jan 2013 · 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

Wildfire risk around 405 Murray Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% 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	FIRST U.D. OF HARDIN COUNTY serves 7,602 people · EPA ID TN0000546
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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