425 Opal Point Dr, Smithville, TN 37166 Property Records

DeKalb County property record for 425 Opal Point Dr, Smithville, TN 37166

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 1,896 sqft · built 2007
Lot Size	1.49 acres (64,904 sqft)
Owner	2 Trust Names on File
Last Sale	$710,000 (Jul 2026)
Tax Bill	$2,749 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021071 02132`

Property Details

APN / Parcel Number

Primary APN	`021071 02132`
Alternative APN	`071 02132`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	1,896 sqft Living Area
1st Floor Area	1,736 sqft
Upper Floors Area	532 sqft
Basement Area	1,280 sqft
Finished Basement	640 sqft
Unfinished Basement	640 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	64,904 sqft (1.49 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	292 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	425 OPAL POINT DR
City	SMITHVILLE
State	TN
Zip	37166-5183
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 5; SUBDIVISION: OPAL POINT
Legal Subdivision	OPAL POINT
Legal Lot Number	5
Jurisdiction	DE KALB TN
Township / Civil Division	5
Census Block Group	1
Census Block	1003
Census Tract	920102

Owner

425 Opal Point Dr is owner-occupied and held in a trust since July 2026.

Source: DeKalb County records, as of July 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	425 OPAL POINT DR, SMITHVILLE, TN 37166-5183
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Prior Sale	Dec 23, 2015 · Amount on File
Deed Document Number	2026225536
Deed Book / Page	626 / 509
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jul 20, 2026
Property Address	425 OPAL POINT DR, SMITHVILLE, TN 37166-5183
Document Number	0000225536
Book / Page	626 / 509
Instrument Date	Jul 10, 2026
Instrument	2026225536
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265,327.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	425 OPAL POINT DR, SMITHVILLE, TN 37166-5183

Mortgage

Document Number	0000225536,
Date	Jul 20, 2026
Book Page	626/513
Instrument	2026225536

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.79%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 425 Opal Point Dr was $2,749.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,749.00	$109,525 Land $34,275 Building $75,250
2023		$109,525 (-) Land $34,275 Building $75,250
2022	$1,896.00	$109,525 Land $34,275 Building $75,250	$438,100 (-) Land $137,100 Building $301,000
2021			$438,100 Land $137,100 Building $301,000

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 425 Opal Point Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

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

Wildfire risk around 425 Opal Point Dr is low, with a 0.02% 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	0.02% 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	SMITHVILLE WATER SYSTEM serves 7,049 people · EPA ID TN0000637
Water Source	Surface water
Last State Inspection	Jun 2025
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 15 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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Opal Point Dr

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