435 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 435 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,668 sqft · built 2023
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,801 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-001.00`

Property Details

APN / Parcel Number

Primary APN	`045-001.00`
Alternative APNs	`0104504500100` `070045 00100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,668 sqft Living Area
Gross Area	3,173 sqft
1st Floor Area	1,488 sqft
Upper Floors Area	180 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Garage Type	Attached
Garage Area	1,505 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	435 THOMAS RD
City	BENTON
State	TN
Zip	37307-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HALE THOMAS CROX N WOOD
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2030
Census Tract	950203

Owner

Source: Polk County records, as of December 3, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	435 THOMAS RD, BENTON, TN 37307-5208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Construction Mortgage BUILTWELL BANK
Sep 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage CLEVELAND BRADLEY COUNTY TEACHERS FCU
Aug 18, 2022	Intrafamily Transfer, Transfer
Dec 28, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 1977
Deed Sale	Feb 23, 1977
Deed Book / Page	88 / 122
Last Transfer Date	Mar 9, 2021
Transfer Doc	0000000864
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	435 THOMAS RD, BENTON, TN 37307-5208
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BENJAMIN PL, BENTON, TN 37307-3049

Mortgage

Document Number	0TD568/317
Date	Oct 31, 2022
Book Page	TD568/317
Instrument	22003083

Lender

Name	BUILTWELL BANK
Type	Bank
Address	BENTON, TN 37307

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 18, 2023

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	435 THOMAS RD, BENTON, TN 37307-5208
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD581/199
Date	Sep 15, 2023
Book Page	TD581/199
Instrument	23002188

Lender

Name	CLEVELAND BRADLEY COUNTY TEACHERS FCU
Type	Credit Union
Address	CLEVELAND, TN 37320

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	95 Months
Due	Aug 25, 2031

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Aug 18, 2022
Property Address	435 THOMAS RD, BENTON, TN 37307-5208
Document Number	0WD342/179
Book / Page	WD342 / 179
Instrument Date	Aug 15, 2022
Instrument	22002454
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 HIGHWAY 411, OLD FORT, TN 37362-7679

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK TN
Recording Date	Dec 28, 2021
Property Address	435 THOMAS RD, BENTON, TN 37307-5208
Document Number	0WD336/216
Book / Page	WD336 / 216
Instrument Date	Dec 27, 2021
Instrument	21003681
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 HIGHWAY 411, OLD FORT, TN 37362-7679

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Mar 22, 2021
Property Address	435 THOMAS RD, BENTON, TN 37307-5208
Document Number	0WD329/282
Book / Page	WD329 / 282
Instrument Date	Mar 9, 2021
Instrument	21000864
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1915 HIGHWAY 411, OLD FORT, TN 37362-7679

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 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	$1,801.00	$106,600 (-) Land $26,450 Building $80,150	$426,400 (-) Land $105,800 Building $320,600
2024	$1,801.00 (+302.91%)	$106,600 (+303.02%) Land $26,450 Building $80,150
2023	$447.00 (-11.31%)	$26,450 (+990.72%) Land $26,450	$426,400 (+4,295.88%) Land $105,800 Building $320,600
2022	$504.00	$2,425 Land $2,425	$9,700 Land $9,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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	Moderate above 47% of the US · above 64% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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