406 Stooping Oak Rd, Dunlap, TN 37327 Property Records

Sequatchie County property record for 406 Stooping Oak Rd, Dunlap, TN 37327

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,302 sqft · built 2018
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jul 2024)
Tax Bill	$1,119 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`077023 01901`

Property Details

APN / Parcel Number

Primary APN	`077023 01901`
Alternative APN	`023 01901`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,302 sqft Living Area
1st Floor Area	1,302 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	36,155 sqft (0.83 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	270 sqft
Deck Area	30 sqft
Patio Area	30 sqft
Utility Building	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 STOOPING OAK RD
City	DUNLAP
State	TN
Zip	37327-6857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	SEQUATCHIE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2036
Census Tract	60102

Owner

Source: Sequatchie County records, as of January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jul 19, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 8, 2020	Deed of Trust, Mortgage · Conventional with PMI CITIZENS TRI-CNTY BK
Nov 12, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS TRI-CNTY BK
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-CNTY BK
Nov 28, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 10, 2018	Deed of Trust, Mortgage MOUNTAIN VLY NAT'L BK
May 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Nov 30, 2022 · Amount on Record
Deed Document Number	0004702206
Deed Book / Page	470 / 2206
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003337
Date	Oct 28, 2021
Book Page	429/439
Instrument	21003337

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003336
Date	Oct 28, 2021
Book Page	429/427
Instrument	21003336

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Nov 30, 2022
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000003340
Book / Page	451 / 53
Instrument Date	Nov 22, 2022
Instrument	22003340
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857

Mortgage

Document Number	0000003341
Date	Nov 30, 2022
Instrument	22003341

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2037

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Jul 19, 2021
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000002250
Book / Page	423 / 132
Instrument Date	Jul 19, 2021
Instrument	21002250
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000001359
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	406 STOOPING OAK RD DUNLAP TN 373276857, DUNLAP, TN 37327-6857

Mortgage

Document Number	0000001359
Date	Jun 12, 2020
Book Page	000399/000470
Instrument	1359

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Nov 12, 2019
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Book / Page	000389 / 000232
Instrument Date	Nov 4, 2019
Instrument	2313
Transaction Type	Construction Loan
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 STOOPING OAK RD DUNLAP TN 373276857, DUNLAP, TN 37327-6857

Mortgage

Document Number	0000002313
Date	Nov 12, 2019
Book Page	000389/000232
Instrument	2313

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 11, 2020

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000002740
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 STOOPING OAK RD DUNLAP TN 373276857, DUNLAP, TN 37327-6857

Mortgage

Document Number	0000002740
Date	Dec 12, 2018
Book Page	000377/000001
Instrument	2740

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Nov 28, 2018
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000002626
Book / Page	000376 / 000159
Instrument Date	Nov 28, 2018
Instrument	2626
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	406 STOOPING OAK RD DUNLAP TN 373276857, DUNLAP, TN 37327-6857

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000000865
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	Apr 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000865
Date	Apr 12, 2018
Book Page	000367/000379
Instrument	865

Lender

Name	MOUNTAIN VLY NAT'L BK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	May 18, 2017
Property Address	406 STOOPING OAK RD, DUNLAP, TN 37327-6857
Document Number	0000000989
Book / Page	000354 / 000560
Instrument Date	May 18, 2017
Instrument	989
Transaction Type	Transfer
Record Updated	May 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 BLACK MOUNTAIN RD E DUNLAP TN 373276763, DUNLAP, TN 37327-6763

Tax Assessment & Valuation

Source: Sequatchie County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,119.00	$60,950 (-) Land $2,775 Building $58,175
2023	$1,119.00 (+61.94%)	$60,950 (+115.37%) Land $2,775 Building $58,175	$243,800 (+115.37%) Land $11,100 Building $232,700
2022	$691.00	$28,300 Land $1,450 Building $26,850	$113,200 Land $5,800 Building $107,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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	1 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	Moderate above 67% of the US · above 91% of Tennessee
Wildfire Likelihood	0.3% 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	CAGLE-FREDONIA U.D. serves 3,363 people · EPA ID TN0000927
Water Source	Purchased surface water from BIG CREEK UTILITY DISTRICT
Last State Inspection	Mar 2025
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	5 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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