Polk County property record for 437 Thomas Rd, Benton, TN 37307
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,543 sqft · built 1999 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $296,000 (Aug 2007) |
| Tax Bill | $1,766 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 070045 07018 |
| Primary APN | 070045 07018 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,543 sqft Living Area |
| 1st Floor Area | 1,534 sqft |
| Upper Floors Area | 1,924 sqft |
| Basement Area | 1,440 sqft |
| Finished Basement | 1,440 sqft |
| Interior Walls | Paneling |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 36,155 sqft (0.83 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 448 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 437 THOMAS RD |
|---|---|
| City | BENTON |
| State | TN |
| Zip | 37307-5208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: D01 |
| Legal Subdivision | RIVERSTONE SUB |
| Legal Lot Number | 18 |
| Jurisdiction | POLK TN |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 950203 |
Source: Polk County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 437 THOMAS RD, BENTON, TN 37307-5208 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2007 · Amount on Record |
| Deed Sale | Aug 31, 2007 · Amount on Record |
| Deed Document Number | 0000253112 |
| Deed Book / Page | 253 / 112 |
| Last Transfer Date | Sep 6, 2007 |
| Transfer Doc | 0000003082 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 437 THOMAS RD, BENTON, TN 37307-5208 |
| Document Number | 0000001276 |
| Instrument Date | Jun 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 437 THOMAS RD BENTON TN 373075208, BENTON, TN 37307-5208 |
| Document Number | 0000001276 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 000526/000060 |
| Instrument | 1276 |
| Name | TENNESSEE VLY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 10, 2035 |
Source: Polk County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,766.00 | $104,550 (-) Land $4,600 Building $99,950 | |
| 2024 | $1,766.00 | $104,550 (-) Land $4,600 Building $99,950 | |
| 2023 | $1,766.00 (+13.5%) | $104,550 (+68.83%) Land $4,600 Building $99,950 | $418,200 (+68.83%) Land $18,400 Building $399,800 |
| 2022 | $1,556.00 | $61,925 Land $3,450 Building $58,475 | $247,700 Land $13,800 Building $233,900 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 62% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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