Rutherford County property record for 439 Carmel Dr, Murfreesboro, TN 37128
| Property Type | Single Family Home |
|---|---|
| Details | 3.25 ba · 2,488 sqft · built 2004 |
| Lot Size | 0.199 acres (8,690 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,845 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092I-B-043.00-000 |
| Primary APN | 092I-B-043.00-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,488 sqft Living Area |
| 1st Floor Area | 1,580 sqft |
| Upper Floors Area | 908 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Gravel |
| Lot Area | 8,690 sqft (0.199 acres) |
| Lot Dimensions | 100 ft deep x 61.7 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Porch | Patio |
| Porch Area | 216 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R0057609 |
|---|---|
| Street Address | 439 CARMEL DR |
| City | MURFREESBORO |
| State | TN |
| Zip | 37128-4173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 61.7 X 100 IRR |
| Legal Subdivision | VICTORY POINTE SEC 3 |
| Legal Lot Number | 67 |
| Jurisdiction | RUTHERFORD TN |
| Township / Civil Division | 20 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 40907 |
439 Carmel Dr is owned and occupied by two individuals.
Source: Rutherford County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 439 CARMEL DR, MURFREESBORO, TN 37128-4173 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Property Address | 439 CARMEL DR, MURFREESBORO, TN 37128-4173 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Title Company | BRENTWOOD TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 19691923 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 1969/1923 |
| Instrument | 2307383 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Address | GOODLETTSVILLE, TN 37072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 439 Carmel Dr was $2,845.
Source: Rutherford County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rutherford County |
| Municipality | Murfreesboro City |
| Elementary School District | Murfreesboro City School District (PK - 06) |
| Secondary School District | Rutherford County School District in Murfreesboro (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $127,425 (+26.73%) Land $35,000 Building $92,425 | $509,700 Land $140,000 Building $369,700 | |
| 2025 | $2,845.00 | $100,550 Land $13,750 Building $86,800 | |
| 2023 | $2,845.00 | $100,550 Land $13,750 Building $86,800 | $402,200 (-) Land $55,000 Building $347,200 |
| 2022 | $402,200 Land $55,000 Building $347,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 439 Carmel Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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 |
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 risk around 439 Carmel Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2026) 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, 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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: United Communications.
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