434 York Rd, Ocoee, TN 37361 Property Records

Polk County property record for 434 York Rd, Ocoee, TN 37361

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,496 sqft · built 1991
Lot Size	2.06 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2015)
Tax Bill	$1,649 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070054 05510`

Property Details

APN / Parcel Number

Primary APN	`070054 05510`
Alternative APN	`054 05510`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,344 sqft
Upper Floors Area	1,152 sqft
Basement Area	1,344 sqft
Finished Basement	784 sqft
Unfinished Basement	560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	90,169 sqft (2.06 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	384 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	434 YORK RD
City	OCOEE
State	TN
Zip	37361-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	CHARLES P LAWSON
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	1
Census Block	1017
Census Tract	950300

Owner

434 York Rd is owned and occupied by two individuals who bought it in December 2015.

Source: Polk County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	434 YORK RD, OCOEE, TN 37361-3615
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
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit BOWATER EMPLOYEES CU
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2015 · Amount on File
Deed Sale	Dec 30, 2015 · Amount on File
Prior Sale	Jun 25, 2015 · Amount on File
Deed Document Number	0000294215
Deed Book / Page	294 / 215
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	434 YORK RD, OCOEE, TN 37361-3615
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00TD586/91
Date	Jan 8, 2024
Book Page	TD586/91
Instrument	24000052

Lender

Name	BOWATER EMPLOYEES CU
Type	Credit Union
Address	CALHOUN, TN 37309

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	434 YORK RD, OCOEE, TN 37361-3615
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 YORK RD, OCOEE, TN 37361-3615

Mortgage

Document Number	0TD564/209
Date	Jul 8, 2022
Book Page	TD564/209
Instrument	22002069

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	282 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 434 York Rd was $1,649.

Source: Polk County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,649.00	$97,575 (-) Land $5,375 Building $92,200
2024	$1,649.00	$97,575 (-) Land $5,375 Building $92,200
2023	$1,649.00 (+17.87%)	$97,575 (+75.18%) Land $5,375 Building $92,200	$390,300 (+75.18%) Land $21,500 Building $368,800
2022	$1,399.00	$55,700 Land $5,375 Building $50,325	$222,800 Land $21,500 Building $201,300

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 434 York Rd in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · 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	5 in force
Nearby Flood Claims	21 (1994–2020)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 4 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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 434 York Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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