McNairy County property record for 437 Wayne Elam Rd, Ramer, TN 38367
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,268 sqft · built 1998 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | Individual Name on File |
| Last Sale | $152,000 (Jun 2025) |
| Tax Bill | $422 (2025) |
| Deeds & Mortgages | Jun 2025 Second Mortgage Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055120 02808 |
| Primary APN | 055120 02808 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 1,268 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 69,696 sqft (1.6 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 437 WAYNE ELAM RD |
|---|---|
| City | RAMER |
| State | TN |
| Zip | 38367-7191 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 5 |
| Jurisdiction | MCNAIRY TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3107 |
| Census Tract | 930600 |
Source: McNairy County records · APN 055120 02808
Assessment roll updated May 20, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 437 WAYNE ELAM RD, RAMER, TN 38367-7191 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 09, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KIND LENDING LLC |
| Jun 09, 2025 | Warranty Deed, Transfer · FHA Mortgage KIND LENDING LLC |
| Jan 17, 2020 | Loan Modification, Mortgage BANK OF FAYETTE CNTY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2025 · Amount on Record |
| Deed Sale | Jun 09, 2025 · Amount on Record |
| Prior Sale | Nov 07, 2002 · Amount on Record |
| Deed Document Number | 140574 |
| Deed Book / Page | 31 / 1472 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 437 WAYNE ELAM RD, RAMER, TN 38367-7191 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000311495 |
|---|---|
| Date | Jun 09, 2025 |
| Book Page | 31/1495 |
| Instrument | 140577 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 4 HUTTON CENTRE DR, SANTA ANA, CA 92707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Recording Date | Jun 09, 2025 |
| Property Address | 437 WAYNE ELAM RD, RAMER, TN 38367-7191 |
| Document Number | 0000311472 |
| Book / Page | 31 / 1472 |
| Instrument Date | Jun 03, 2025 |
| Instrument | 140574 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | COMMUNITY TITLE, COMMUNITY T&E PLLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $562.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 437 WAYNE ELAM RD, RAMER, TN 38367-7191 |
| Document Number | 0000140575 |
|---|---|
| Date | Jun 09, 2025 |
| Instrument | 140575 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 437 WAYNE ELAM RD, RAMER, TN 38367-7191 |
| Document Number | 432777 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 210 COUNTRY WOOD SELMER TN 383753283, SELMER, TN 38375-3283 |
| Document Number | 432777 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 000432/000777 |
| Instrument | 114400 |
| Name | BANK OF FAYETTE CNTY |
|---|---|
| Type | Bank |
| Address | EADS, TN 38028 |
| Amount | Amount Recorded |
|---|
Source: McNairy County records · Assessment roll updated May 20, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | McNairy County |
| Unified School District | McNairy County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $422.00 | $26,775 (-) Land $1,650 Building $25,125 | |
| 2023 | $26,775 (-) Land $1,650 Building $25,125 | ||
| 2022 | $422.00 | $26,775 Land $1,650 Building $25,125 | $107,100 Land $6,600 Building $100,500 |
Source: FEMA National Flood Hazard Layer as of December 2, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2014 · other causes |
| Wildfire Risk | Moderate above 50% of the US · above 67% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
Based on FCC filings for 29 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EASTVIEW UTILITY DISTRICT serves 2,206 people |
|---|---|
| Water Source | Purchased groundwater from SELMER WATER SYSTEM |
| Last State Inspection | Apr 2026 |
| 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 | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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