Rutherford County property record for 409 Nightcap Ln, Murfreesboro, TN 37128
| Property Type | Single Family Home |
|---|---|
| Details | 2,884 sqft · built 2019 |
| Lot Size | 0.177 acres (7,701 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,125 (Sep 2019) |
| Tax Bill | $3,032 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092J-I-014.00-000 |
| Primary APN | 092J-I-014.00-000 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 13 Plumbing Fixtures |
|---|---|
| Building Area | 2,884 sqft Living Area |
| Gross Area | 294 sqft |
| 1st Floor Area | 1,342 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Gravel |
| Lot Area | 7,701 sqft (0.177 acres) |
| Lot Dimensions | 151 ft deep x 51 ft wide |
| Garage Type | Attached |
| Garage Area | 717 sqft |
| Porch | Slab |
| Porch Area | 250 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | R0119543 |
|---|---|
| Street Address | 409 NIGHTCAP LN |
| City | MURFREESBORO |
| State | TN |
| Zip | 37128-3036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HILLWOOD SEC 6 PH 3 |
| Legal Block | 3 |
| Legal Lot Number | 167 |
| Jurisdiction | RUTHERFORD TN |
| Township / Civil Division | 20 |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 40906 |
409 Nightcap Ln is owned and occupied by two individuals who bought it in September 2019.
Source: Rutherford County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 NIGHTCAP LN, MURFREESBORO, TN 37128-3036 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 3, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI GOLD STAR MTG FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2019 · Amount on File |
| Deed Sale | Sep 3, 2019 · Amount on File |
| Prior Sale | Jul 1, 1998 · Amount on File |
| Deed Document Number | 20192226278 |
| Deed Book / Page | 1808 / 3630 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Property Address | 409 NIGHTCAP LN, MURFREESBORO, TN 37128-3036 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0020113333 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 2011/3333 |
| Instrument | 2327713 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Recording Date | Sep 3, 2019 |
| Property Address | 409 NIGHTCAP LN, MURFREESBORO, TN 37128-3036 |
| Document Number | RB18083630 |
| Book / Page | 001808 / 003630 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 2226278 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 5, 2019 |
| Title Company | LAWYERS ESCROW SERVICES INC, LAWYERS ESCROW SVC INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,251.06 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 409 NIGHTCAP LN MURFREESBORO TN 371283036, MURFREESBORO, TN 37128-3036 |
| Document Number | RB18083632 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 001808/003632 |
| Instrument | 2226279 |
| Name | GOLD STAR MTG FIN'L |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2049 |
The 2025 property tax bill for 409 Nightcap Ln was $3,032.
Source: Rutherford County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rutherford County |
| Municipality | Murfreesboro City |
| Elementary School District | Murfreesboro City School District (PK - 06) |
| Secondary School District | Rutherford County School District in Murfreesboro (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $131,325 (+22.5%) Land $27,500 Building $103,825 | $525,300 Land $110,000 Building $415,300 | |
| 2025 | $3,032.00 | $107,200 Land $13,750 Building $93,450 | |
| 2023 | $3,032.00 | $107,200 Land $13,750 Building $93,450 | $428,800 (-) Land $55,000 Building $373,800 |
| 2022 | $428,800 Land $55,000 Building $373,800 |
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.
FEMA maps place 409 Nightcap Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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 |
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 risk around 409 Nightcap Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 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 | CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2026) 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 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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