421 Ossabaw Dr, Murfreesboro, TN 37128 Property Records

Rutherford County property record for 421 Ossabaw Dr, Murfreesboro, TN 37128

Property Summary

Property Type	Single Family Home
Details	2,454 sqft · built 2011
Lot Size	0.157 acres (6,820 sqft)
Owner	2 Individual Names on File
Last Sale	$323,000 (Dec 2018)
Tax Bill	$2,937 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093K-C-119.00-000`

Property Details

APN / Parcel Number

Primary APN	`093K-C-119.00-000`
Alternative APNs	`093K C 11900` `R0105229`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,454 sqft Living Area
1st Floor Area	4,180 sqft
Upper Floors Area	728 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	6,820 sqft (0.157 acres)
Lot Dimensions	110 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Porch	Slab
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0105229
Street Address	421 OSSABAW DR
City	MURFREESBORO
State	TN
Zip	37128-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 119 THE CLOISTER SEC 3 PH 1A PB 35 PG 78 SPLIT OFF 93-11.02 FOR 2011 62 X 110
Legal Subdivision	THE CLOISTER SEC 3 PH 1A
Legal Block	1A
Legal Lot Number	119
Jurisdiction	RUTHERFORD TN
Township / Civil Division	20
Census Block Group	1
Census Block	1053
Census Tract	40808

Owner

421 Ossabaw Dr is owned and occupied by two individuals who bought it in December 2018.

Source: Rutherford County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 OSSABAW DR, MURFREESBORO, TN 37128-3909
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Dec 4, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2018 · Amount on File
Deed Sale	Dec 4, 2018 · Amount on File
Prior Sale	Jul 9, 2012 · Amount on File
Deed Document Number	2018966
Deed Book / Page	1732 / 1113
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	421 OSSABAW DR, MURFREESBORO, TN 37128-3909
Document Number	RB19881026
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	RB19881026
Date	Nov 4, 2020
Book Page	001988/001026
Instrument	2316401

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 3, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	421 OSSABAW DR, MURFREESBORO, TN 37128-3909
Document Number	RB19563899
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 OSSABAW DR MURFREESBORO TN 371283909, MURFREESBORO, TN 37128-3909

Mortgage

Document Number	RB19563899
Date	Sep 2, 2020
Book Page	001956/003899
Instrument	2301011

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2040

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Dec 4, 2018
Property Address	421 OSSABAW DR, MURFREESBORO, TN 37128-3909
Document Number	RB17321113
Book / Page	001732 / 001113
Instrument Date	Nov 30, 2018
Instrument	2180966
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	WATERSTONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,195.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 OSSABAW DR MURFREESBORO TN 371283909, MURFREESBORO, TN 37128-3909

Mortgage

Document Number	RB17321116
Date	Dec 4, 2018
Book Page	001732/001116
Instrument	2180967

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 421 Ossabaw Dr was $2,937.

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$129,650 (+24.87%) Land $35,000 Building $94,650	$518,600 Land $140,000 Building $378,600
2025	$2,937.00	$103,825 Land $15,000 Building $88,825
2023	$1,948.00	$103,825 Land $15,000 Building $88,825	$415,300 (-) Land $60,000 Building $355,300
2022			$415,300 Land $60,000 Building $355,300

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.

Flood

FEMA maps place 421 Ossabaw Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	4 (2010–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 2020 · other causes

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 421 Ossabaw Dr 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 94% of the US · lower than 94% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: United Communications.

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