Clay County property record for 409 Mertie Smith Rd, Moss, TN 38575
| Property Type | Rural Home |
|---|---|
| Details | 1,456 sqft · built 1980 |
| Lot Size | 17.6 acres (766,656 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $274 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 014046 06904 |
| Primary APN | 014046 06904 |
|---|---|
| Alternative APN |
|
| Building Area | 1,456 sqft Living Area |
|---|---|
| 1st Floor Area | 1,456 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Mobile/Manufactured |
| Lot Area | 766,656 sqft (17.6 acres) |
| Garage Type | Detached |
| Garage Area | 1,440 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pole Barn | 720 sqft |
| Cooling System | Central |
|---|---|
| Sewer | Connected |
| Street Address | 409 MERTIE SMITH RD |
|---|---|
| City | MOSS |
| State | TN |
| Zip | 38575-6100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: R01 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 955100 |
409 Mertie Smith Rd, a rural home, is owned and occupied by two individuals who acquired it in January 2021.
Source: Clay County records, as of January 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 MERTIE SMITH RD, MOSS, TN 38575-6100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2002 |
| Deed Sale | Mar 4, 2002 |
| Prior Sale | Apr 27, 1987 |
| Deed Book / Page | 77 / 60 |
| Last Transfer Date | Jan 29, 2021 |
| Transfer Doc | 0000000137 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 409 Mertie Smith Rd was $274.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $274.00 Additional exemption filed | $10,550 Land $4,100 Building $6,450 | |
| 2023 | $10,550 (-) Land $4,100 Building $6,450 | ||
| 2022 | $274.00 | $10,550 Land $4,100 Building $6,450 | $76,400 Land $50,600 Building $25,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Mertie Smith Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 409 Mertie Smith Rd is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | NORTHWEST CLAY COUNTY UTILITY serves 4,437 people · EPA ID TN0000573 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Twin Lakes Fiber | 8,000 / 8,000 |
4G LTE (outdoors only), no 5G reported
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