Obion County property record for 405 Pine Dr, #4, Troy, TN 38260
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,620 sqft · built 2008 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Jul 2026) |
| Tax Bill | $616 (2022) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066093J F 00502 |
| Primary APN | 066093J F 00502 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 155 ft deep x 56 ft wide |
| Garage Type | Finished |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 224 sqft |
| Patio Area | 224 sqft |
| Utility Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 PINE DR, 4 |
|---|---|
| City | TROY |
| State | TN |
| Zip | 38260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOUR PINES PLACE 3 |
| Legal Subdivision | FOUR PINES PLACE |
| Legal Lot Number | 3 |
| Jurisdiction | OBION TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 965400 |
Source: Obion County records, as of July 21, 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 | 405 FOUR PINES PL, TROY, TN 38260-5867 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · FHA Mortgage BANK3 |
| Aug 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Aug 1, 2023 · Amount on Record |
| Deed Document Number | 202693599 |
| Deed Book / Page | 465 / 582 |
| Prior Transfer Date | Oct 17, 2025 |
| Prior Transfer Doc | 0000090003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OBION TN |
| Recording Date | Jul 10, 2026 |
| Property Address | 405 PINE DR, 4, TROY, TN 38260 |
| Document Number | 0000093599 |
| Book / Page | 465 / 582 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202693599 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100,899.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 FOUR PINES PL, TROY, TN 38260-5867 |
| Document Number | 0000093600, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202693600 |
| Name | BANK3 |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OBION TN |
| Recording Date | Aug 1, 2023 |
| Property Address | 405 PINE DR # 4, 4, TROY, TN 38260-5864 |
| Document Number | 000362/246 |
| Book / Page | 362 / 246 |
| Map Reference | MB 15 PG 7 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 79398 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $629.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 FOUR PINES PL, TROY, TN 38260-5867 |
| Document Number | 0000079399 |
|---|---|
| Date | Aug 1, 2023 |
| Instrument | 79399 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
Source: Obion County assessment roll, as of January 26, 2026
| 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 | $51,075 (-) Land $3,000 Building $48,075 | ||
| 2023 | $51,075 (+57.52%) Land $3,000 Building $48,075 | $204,300 (+57.52%) Land $12,000 Building $192,300 | |
| 2022 | $616.00 (-41.89%) | $32,425 Land $1,500 Building $30,925 | $129,700 Land $6,000 Building $123,700 |
| 2018 | $1,060.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| 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 74 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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