409 Hwy 64, Ocoee, TN 37361 Property Records

Polk County property record for 409 Hwy 64, Ocoee, TN 37361

Property Summary

Property Type	Commercial
Details	2 ba · 5,000 sqft · built 2019
Lot Size	4.61 acres (200,812 sqft)
Owner	Individual Name on File
Last Sale	$925,000 (Jul 2026)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-008.10`

Property Details

APN / Parcel Number

Primary APN	`064-008.10`
Alternative APNs	`0106406400810` `070064 00810`

Interior

Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	5,000 sqft Gross Area
1st Floor Area	5,000 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	200,812 sqft (4.61 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	2,400 sqft
Porch	Open/Unfinished Porch
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	409 HIGHWAY 64
City	OCOEE
State	TN
Zip	37361-3630
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1026
Census Tract	950300

Owner

409 Hwy 64, a commercial property, is owned by an individual who bought it in July 2026.

Source: Polk County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5773 BATES PIKE SE, CLEVELAND, TN 37323-8109
Owner Type	Individual
Vesting	Unmarried

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
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST BANK SAVINGS
Jan 8, 2026	Warranty Deed, Transfer
Aug 20, 2021	Warranty Deed, Transfer
Aug 20, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 23, 2019	Loan Modification, Mortgage · Conventional Mortgage ANDREW JOHNSON BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Jan 8, 2026 · Amount on File
Deed Document Number	20262151
Deed Book / Page	7 / 1039
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jul 15, 2026
Property Address	409 HIGHWAY 64, OCOEE, TN 37361-3630
Document Number	0000002151
Book / Page	7 / 1039
Instrument Date	Jul 13, 2026
Instrument	20262151
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345,672.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5773 BATES PIKE SE, CLEVELAND, TN 37323-8109

Mortgage

Document Number	0000002152,
Date	Jul 15, 2026
Instrument	20262152

Lender

Name	SOUTHEAST BANK SAVINGS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jan 8, 2026
Property Address	409 HIGHWAY 64, OCOEE, TN 37361-3630
Document Number	000004/792
Book / Page	4 / 792
Instrument Date	Jan 5, 2026
Instrument	26000081
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Tax	$2,930.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2294 OLD FEDERAL RD, OCOEE, TN 37361-3447

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Aug 20, 2021
Property Address	409 HIGHWAY 64, OCOEE, TN 37361-3630
Document Number	WD333/176
Book / Page	WD333 / 176
Instrument Date	Aug 13, 2021
Instrument	21002459
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Tax	$1,702.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ROBINS NEST RD, MURPHY, NC 28906-1857

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK TN
Recording Date	Aug 20, 2021
Property Address	409 HIGHWAY 64, OCOEE, TN 37361-3630
Document Number	WD333/173
Book / Page	WD333 / 173
Instrument Date	Aug 12, 2021
Instrument	21002458
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 COTTAGE STONE LN NE, CLEVELAND, TN 37312-5786

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK TN
Property Address	409 HIGHWAY 64, OCOEE, TN 37361-3630
Document Number	0000001844
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	409 HIGHWAY 64 OCOEE TN 373613630, OCOEE, TN 37361-3630

Mortgage

Document Number	0000001844
Date	Sep 5, 2019
Book Page	000514/000346
Instrument	1844

Lender

Name	ANDREW JOHNSON BK
Type	Bank
Address	GREENEVILLE, TN 37744

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 409 Hwy 64 was $3,920.

Source: Polk County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,920.00	$232,000 (-) Land $40,160 Building $191,840	$580,000 Land $100,400 Building $479,600
2024	$3,920.00	$232,000 (-) Land $40,160 Building $191,840
2023	$3,920.00 (-9.3%)	$232,000 (+34.85%) Land $40,160 Building $191,840	$580,000 (+34.85%) Land $100,400 Building $479,600
2022	$4,322.00	$172,040 Land $40,160 Building $131,880	$430,100 Land $100,400 Building $329,700

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

Flood

FEMA maps place 409 Hwy 64 in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · 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	5 in force
Nearby Flood Claims	21 (1994–2020)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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 409 Hwy 64 is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 63% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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