Clay County property record for 439 McCormick Ridge Rd, Moss, TN 38575
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,189 sqft · built 1969 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Jun 2016) |
| Tax Bill | $801 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014022 04100 |
| Primary APN | 014022 04100 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,189 sqft Living Area |
| 1st Floor Area | 1,189 sqft |
| Basement Area | 1,189 sqft |
| Unfinished Basement | 1,189 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 1,024 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 766 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Utility Building | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 439 MCCORMICK RIDGE RD |
|---|---|
| City | MOSS |
| State | TN |
| Zip | 38575-6211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: R01 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 955100 |
439 McCormick Ridge Rd is owned and occupied by two individuals who bought it in June 2016.
Source: Clay County records, as of May 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 439 MCCORMICK RIDGE RD, MOSS, TN 38575-6211 |
| 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.
| Date | Document |
|---|---|
| Apr 25, 2026 | Deed of Trust, Mortgage · Line of Credit MARION BANK AND TRUST COMPANY |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EDMONTON STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2016 · Amount on File |
| Deed Sale | Jun 30, 2016 · Amount on File |
| Prior Sale | Jan 14, 1986 |
| Deed Document Number | 2016613 |
| Deed Book / Page | 105 / 705 |
| Prior Transfer Date | Feb 22, 2012 |
| Prior Transfer Doc | 000097/697 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Apr 25, 2026 |
| Property Address | 439 MCCORMICK RIDGE RD, MOSS, TN 38575-6211 |
| Document Number | 0000000595 |
| Book / Page | 190 / 138 |
| Instrument Date | Apr 18, 2026 |
| Instrument | 2026595 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 439 MCCORMICK RIDGE RD, MOSS, TN 38575-6211 |
| Document Number | 0000000595, |
|---|---|
| Date | Apr 25, 2026 |
| Book Page | 190/138 |
| Instrument | 2026595 |
| Name | MARION BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY TN |
| Property Address | 439 MCCORMICK RIDGE RD, MOSS, TN 38575-6211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | TD165/432 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | TD165/432 |
| Instrument | 21001144 |
| Name | EDMONTON STATE BANK |
|---|---|
| Type | Bank |
| Address | GLASGOW, KY 42141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 439 McCormick Ridge Rd was $801.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $801.00 | $30,800 Land $1,375 Building $29,425 | |
| 2023 | $30,800 (-) Land $1,375 Building $29,425 | ||
| 2022 | $801.00 | $30,800 Land $1,375 Building $29,425 | $123,200 Land $5,500 Building $117,700 |
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.
FEMA maps place 439 McCormick Ridge Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 439 McCormick Ridge Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 | NORTHWEST CLAY COUNTY UTILITY serves 4,437 people · EPA ID TN0000573 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Oct 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Twin Lakes Fiber | 8,000 / 8,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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