444 Cooley Rd, Waverly, TN 37185 Property Records

Humphreys County property record for 444 Cooley Rd, Waverly, TN 37185

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,181 sqft · built 1935
Lot Size	10.4 acres (454,766 sqft)
Owner	2 Individual Names on Record
Last Sale	$428,000 (Aug 2026)
Tax Bill	$1,018 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043093 00200`

Property Details

APN / Parcel Number

Primary APN	`043093 00200`
Alternative APN	`093 00200`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,181 sqft Living Area
1st Floor Area	2,181 sqft
Basement Area	354 sqft
Finished Basement	354 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1972
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	454,766 sqft (10.4 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,248 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	340 sqft
Shed	1 Shed
Shed Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	444 COOLEY RD
City	WAVERLY
State	TN
Zip	37185-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: H99
Jurisdiction	HUMPHREYS TN
Township / Civil Division	5
Census Block Group	2
Census Block	2017
Census Tract	130400

Owner

Source: Humphreys County records, as of August 17, 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	444 COOLEY RD, WAVERLY, TN 37185-2735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 17, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	20262672
Deed Book / Page	15 / 348
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUMPHREYS TN
Recording Date	Aug 7, 2026
Property Address	444 COOLEY RD, WAVERLY, TN 37185-2735
Document Number	0000002672
Book / Page	15 / 348
Instrument Date	Aug 4, 2026
Instrument	20262672
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159,943.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 COOLEY RD, WAVERLY, TN 37185-2735

Mortgage

Document Number	0000002673,
Date	Aug 7, 2026
Instrument	20262673

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	444 COOLEY RD, WAVERLY, TN 37185-2735
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000534
Date	Feb 18, 2022
Book Page	241/2647
Instrument	22000534

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Mar 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUMPHREYS TN
Recording Date	Jun 17, 2019
Property Address	444 COOLEY RD, WAVERLY, TN 37185-2735
Document Number	0000001607
Book / Page	000207 / 002401
Instrument Date	Jun 14, 2019
Instrument	1607
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$906.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 COOLEY RD WAVERLY TN 371852735, WAVERLY, TN 37185-2735

Mortgage

Document Number	1608
Date	Jun 17, 2019
Book Page	000231/002145
Instrument	1608

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2049

Tax Assessment & Valuation

Source: Humphreys County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Humphreys County
Unified School District	Humphreys County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,018.00	$55,350 (-) Land $8,725 Building $46,625
2024	$1,018.00	$55,350 (-) Land $8,725 Building $46,625
2023	$1,018.00 (+26.77%)	$55,350 (+50.1%) Land $8,725 Building $46,625	$221,400 (+50.1%) Land $34,900 Building $186,500
2022	$803.00	$36,875 Land $4,350 Building $32,525	$147,500 Land $17,400 Building $130,100

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 September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2023–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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	Low lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Meriwether Lewis Connect Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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