446 Bluff Dr, Clarksville, TN 37043 Property Records

Montgomery County property record for 446 Bluff Dr, Clarksville, TN 37043

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,779 sqft · built 1991
Lot Size	0.81 acres (35,284 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Oct 2021)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56P B 23.00`

Property Details

APN / Parcel Number

Primary APN	`56P B 23.00`
Alternative APNs	`056P B 02300 000` `37689`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,779 sqft Living Area
Gross Area	3,307 sqft
1st Floor Area	1,127 sqft
Upper Floors Area	652 sqft
Basement Area	1,127 sqft
Unfinished Basement	1,127 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,284 sqft (0.81 acres)
Terrain	Rolling
Driveway	Driveway
Driveway Area	714 sqft

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	446 BLUFF DR
City	CLARKSVILLE
State	TN
Zip	37043-1741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SUBDIVISION: CANDLEWOOD BLOCK: 2 LOT: 54 PLAT BOOK 12 PAGE 165 JOINT TENANTS WITH THE RIGHT OF SURVIVORSHIP SKETCH:
Legal Subdivision	CANDLEWOOD
Legal Block	2
Legal Lot Number	54
Jurisdiction	MONTGOMERY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1027
Census Tract	101902

Owner

446 Bluff Dr is owned and occupied by an individual who bought it in October 2021.

Source: Montgomery County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	446 BLUFF DR, CLARKSVILLE, TN 37043-1741
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	20211345987
Deed Book / Page	2151 / 2418
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Oct 26, 2021
Property Address	446 BLUFF DR, CLARKSVILLE, TN 37043-1741
Document Number	2151/2418
Book / Page	2151 / 2418
Map Reference	MB 12 PG 165
Instrument Date	Oct 22, 2021
Instrument	1345987
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	MASSEY TITLE AND ESCROW LLC, MASSEY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 BLUFF DR, CLARKSVILLE, TN 37043-1741

Mortgage

Document Number	1345988
Date	Oct 26, 2021
Instrument	1345988

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 446 Bluff Dr was $1,898, up 1.3% from the year before.

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Municipality	Clarksville City
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,898.00 (+1.33%)	$62,875 (-)	$251,500 (-) Land $51,000 Building $200,500
2024	$1,873.00 (-1.63%)	$62,875 (+39.34%)	$251,500 Land $51,000 Building $200,500
2023	$1,904.00	$45,125 (-)
2022	$1,904.00	$45,125	$180,500 Land $32,500 Building $148,000

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.

Flood

FEMA maps place 446 Bluff Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	22 (1990–2025)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 14 claims

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

Wildfire risk around 446 Bluff Dr is low, with 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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% 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	CLARKSVILLE WATER DEPARTMENT serves 251,864 people · EPA ID TN0000116
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CDE Lightband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20