442 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 442 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,660 sqft · built 1989
Lot Size	2.8 acres (121,968 sqft)
Owner	2 Individual Names on Record
Last Sale	$334,819 (May 2023)
Tax Bill	$1,301 (2025)
Deeds & Mortgages	May 2023 Sale Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-069.00`

Property Details

APN / Parcel Number

Primary APN	`045-069.00`
Alternative APNs	`0104504506900` `070045 06900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,660 sqft Living Area
Gross Area	3,202 sqft
1st Floor Area	1,204 sqft
Upper Floors Area	1,456 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	121,968 sqft (2.8 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	452 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	442 THOMAS RD
City	BENTON
State	TN
Zip	37307-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	CHARLES R BROWN
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	950203

Owner

Source: Polk County records, as of February 25, 2026

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	442 THOMAS RD, BENTON, TN 37307-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 4, 2023	Executor's Deed, Transfer
Dec 5, 2022	Correction Deed
Dec 3, 2021	Warranty Deed, Transfer · VA Mortgage FIRST VOLUNTEER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2023 · Amount on Record
Deed Sale	May 4, 2023 · Amount on Record
Prior Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20231133
Deed Book / Page	348 / 234
Prior Transfer Date	May 2, 2023
Prior Transfer Doc	0WD348/234
Record Updated	Jun 8, 2026

May 2023: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	POLK TN
Recording Date	May 4, 2023
Property Address	442 THOMAS RD, BENTON, TN 37307-5207
Document Number	0WD348/234
Book / Page	WD348 / 234
Instrument Date	May 2, 2023
Instrument	23001133
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Tax	$1,238.83
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	442 THOMAS RD, BENTON, TN 37307-5207

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK TN
Recording Date	Dec 5, 2022
Property Address	442 THOMAS RD, BENTON, TN 37307-5207
Document Number	0WD344/393
Book / Page	WD344 / 393
Instrument Date	Dec 2, 2022
Instrument	22003371
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 THOMAS RD, BENTON, TN 37307-5207

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Dec 3, 2021
Property Address	442 THOMAS RD, BENTON, TN 37307-5207
Document Number	0WD335/395
Book / Page	WD335 / 395
Instrument Date	Nov 29, 2021
Instrument	21003456
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 THOMAS RD, BENTON, TN 37307-5207

Mortgage

Document Number	0021003458
Date	Dec 3, 2021
Instrument	21003458

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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	$1,301.00	$77,025 (-) Land $17,000 Building $60,025	$308,100 (-) Land $68,000 Building $240,100
2024	$1,301.00 (+16.68%)	$77,025 (+16.75%) Land $17,000 Building $60,025
2023	$1,115.00 (+19.89%)	$65,975 (+78.19%) Land $10,200 Building $55,775	$308,100 (+108.04%) Land $68,000 Building $240,100
2022	$930.00	$37,025 Land $5,175 Building $31,850	$148,100 Land $20,700 Building $127,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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.

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 (outdoors only) and 4G LTE

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