411 Whaley St, Smithville, TN 37166 Property Records

DeKalb County property record for 411 Whaley St, Smithville, TN 37166

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,055 sqft · built 1965
Lot Size	0.443 acres (19,285 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Dec 2025)
Tax Bill	$638 (2022)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021064J E 00800`

Property Details

APN / Parcel Number

Primary APN	`021064J E 00800`
Alternative APN	`064J E 00800`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,055 sqft Living Area
1st Floor Area	2,055 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,285 sqft (0.443 acres)
Lot Dimensions	203 ft deep x 95 ft wide
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	411 WHALEY ST
City	SMITHVILLE
State	TN
Zip	37166-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 9
Jurisdiction	DE KALB TN
Township / Civil Division	3
Census Block Group	3
Census Block	3019
Census Tract	920201

Owner

411 Whaley St is owned by two individuals who bought it in December 2025.

Source: DeKalb County records, as of January 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2135 DOUGLAS AVE, REEDSPORT, OR 97467
Owner Type	Individual
Vesting	His Wife

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
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE
Apr 29, 2022	Warranty Deed, Transfer · FHA Mortgage F&M BANK
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage ISERVE RESIDENTIAL LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on File
Deed Sale	Dec 8, 2025 · Amount on File
Prior Sale	Apr 29, 2022 · Amount on File
Deed Document Number	2025222081
Deed Book / Page	609 / 304
Transfer Doc	0001100877
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Dec 8, 2025
Property Address	411 WHALEY ST, SMITHVILLE, TN 37166-1121
Document Number	0006090304
Book / Page	609 / 304
Instrument Date	Dec 1, 2025
Instrument	222081
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	DEKALB TITLE LLC, DEKALB TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2135 DORYLES AVE, REEDSPORT, OR 97467

Mortgage

Document Number	0000222082
Date	Dec 8, 2025
Instrument	222082

Lender

Name	SWBC MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Apr 29, 2022
Property Address	411 WHALEY ST, SMITHVILLE, TN 37166-1121
Document Number	0005240870
Book / Page	524 / 870
Instrument Date	Apr 28, 2022
Instrument	203619
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WHALEY ST, SMITHVILLE, TN 37166-1121
Investor	Possibly a Property Investor

Mortgage

Document Number	0000203620
Date	Apr 29, 2022
Instrument	203620

Lender

Name	F&M BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Aug 6, 2021
Property Address	411 WHALEY ST, SMITHVILLE, TN 37166-1121
Document Number	0005010523
Book / Page	501 / 523
Instrument Date	Aug 6, 2021
Instrument	198861
Transaction Type	Transfer
Record Updated	Feb 13, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WHALEY ST, SMITHVILLE, TN 37166-1121

Mortgage

Document Number	0005010000000537
Date	Aug 6, 2021
Book Page	0000000501/0000000537
Instrument	198862

Lender

Name	ISERVE RESIDENTIAL LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	DeKalb County
Municipality	Smithville City
Unified School District	DeKalb County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,875 Land $4,125 Building $32,750
2023		$36,875 (-) Land $4,125 Building $32,750
2022	$638.00	$36,875 Land $4,125 Building $32,750	$147,500 (-) Land $16,500 Building $131,000
2021			$147,500 Land $16,500 Building $131,000

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 411 Whaley St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 411 Whaley St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SMITHVILLE WATER SYSTEM serves 7,049 people · EPA ID TN0000637
Water Source	Surface water
Last State Inspection	Jun 2025
Also Mapped Here	DEKALB UTILITY DISTRICT #1
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 143 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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