432 E Main St, Smithville, TN 37166 Property Records

DeKalb County property record for 432 E Main St, Smithville, TN 37166

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,104 sqft · built 1990
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2025)
Tax Bill	$459 (2022)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`021065I B 00200`

Property Details

APN / Parcel Number

Primary APN	`021065I B 00200`
Alternative APN	`065I B 00200`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,818 sqft (0.96 acres)
Lot Dimensions	406 ft deep x 304 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	120 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	432 E MAIN ST
City	SMITHVILLE
State	TN
Zip	37166-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 9
Jurisdiction	DE KALB TN
Township / Civil Division	4
Census Block Group	1
Census Block	1019
Census Tract	920202

Owner

Source: DeKalb County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	432 E MAIN ST, SMITHVILLE, TN 37166-2922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Jan 13, 2023	Warranty Deed, Transfer · FHA Mortgage LOWER
Feb 25, 2021	Warranty Deed, Transfer
Aug 14, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Jan 13, 2023 · Amount on Record
Deed Document Number	2025221437
Deed Book / Page	606 / 198
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Oct 28, 2025
Property Address	432 E MAIN ST, SMITHVILLE, TN 37166-2922
Document Number	0006060198
Book / Page	606 / 198
Instrument Date	Oct 24, 2025
Instrument	221437
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
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	432 E MAIN ST, SMITHVILLE, TN 37166-2922

Mortgage

Document Number	0000221438
Date	Oct 28, 2025
Instrument	221438

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2055

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jan 13, 2023
Property Address	432 E MAIN ST, SMITHVILLE, TN 37166-2922
Document Number	0005410576
Book / Page	541 / 576
Instrument Date	Jan 9, 2023
Instrument	207522
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount Recorded
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	432 E MAIN ST, SMITHVILLE, TN 37166-2922
Investor	Possibly a Property Investor

Mortgage

Document Number	0000207523
Date	Jan 13, 2023
Instrument	207523

Lender

Name	LOWER

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Feb 25, 2021
Property Address	432 E MAIN ST, SMITHVILLE, TN 37166-2922
Document Number	0004870393
Book / Page	487 / 393
Instrument Date	Feb 12, 2021
Instrument	196154
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount Recorded
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	101 FALL CREEK DR, SMITHVILLE, TN 37166-2921

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Aug 14, 2019
Property Address	101 FALL CREEK DR, SMITHVILLE, TN 37166-2921
Document Number	0000188335
Book / Page	000450 / 000001
Instrument Date	Aug 12, 2019
Instrument	188335
Transaction Type	Transfer
Record Updated	Mar 29, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$329.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103A FALL CREEK DR SMITHVILLE TN 371662921, SMITHVILLE, TN 37166-2921

Mortgage

Document Number	188336
Date	Aug 14, 2019
Book Page	000450/000004
Instrument	188336

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

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		$26,525 (-) Land $4,800 Building $21,725
2024		$26,525 (-) Land $4,800 Building $21,725
2023		$26,525 (-) Land $4,800 Building $21,725
2022	$459.00	$26,525 Land $4,800 Building $21,725	$106,100 (-) Land $19,200 Building $86,900
2021			$106,100 Land $19,200 Building $86,900

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

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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

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
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 70 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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