446 Withrow Rd, Mc Donald, TN 37353 Property Records

Bradley County property record for 446 Withrow Rd, Mc Donald, TN 37353

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,788 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$67,317 (Aug 1988)
Tax Bill	$1,096 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`048 105.00 000`

Property Details

APN / Parcel Number

Primary APN	`048 105.00 000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,788 sqft Living Area
1st Floor Area	1,788 sqft
Basement Area	1,508 sqft
Unfinished Basement	1,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2012
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft
Lot Dimensions	291 ft deep x 150 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	446 WITHROW RD
City	MC DONALD
State	TN
Zip	37353-5124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAR
Legal Description	DISTRICT: 2
Legal Subdivision	CLEVELAND SURVEYING CO
Jurisdiction	BRADLEY TN
Township / Civil Division	1
Census Block Group	1
Census Block	1005
Census Tract	11302

Owner

Source: Bradley County records, as of February 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 13, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Feb 13, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Jan 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 1988 · Amount on Record
Deed Sale	Aug 5, 1988 · Amount on Record
Prior Sale	Apr 25, 2014
Deed Book / Page	048
Last Transfer Date	Jan 3, 2019
Transfer Doc	2570321
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 WITHROW RD, MC DONALD, TN 37353-5124

Mortgage

Document Number	0002772655
Date	Mar 9, 2021
Book Page	2772/655
Instrument	21003874

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Mar 1, 2028

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 WITHROW RD, MC DONALD, TN 37353-5124

Mortgage

Document Number	0002923407
Date	Jul 8, 2022
Book Page	2923/407
Instrument	22010533

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Document Number	2579272
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 WITHROW RD MC DONALD TN 373535124, MC DONALD, TN 37353-5124

Mortgage

Document Number	2579272
Date	Mar 1, 2019
Book Page	002579/000272
Instrument	2335

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 28, 2034

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADLEY TN
Property Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Document Number	2579411
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 WITHROW RD MC DONALD TN 373535124, MC DONALD, TN 37353-5124

Mortgage

Document Number	2579411
Date	Mar 1, 2019
Book Page	002579/000411
Instrument	2355

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2049

Interest

Rate Type	Adjustable Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BRADLEY TN
Recording Date	Jan 3, 2019
Property Address	446 WITHROW RD, MC DONALD, TN 37353-5124
Document Number	2570321
Book / Page	002570 / 000321
Instrument Date	Jan 3, 2019
Instrument	176
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 WITHROW RD MC DONALD TN 373535124, MC DONALD, TN 37353-5124

Tax Assessment & Valuation

Source: Bradley County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,096.00 (+10.82%)	$88,925 (+61.24%) Land $7,150 Building $81,775	$355,700 (+61.24%) Land $28,600 Building $327,100
2024	$989.00	$55,150 (-) Land $4,900 Building $50,250
2023	$989.00	$55,150 (-) Land $4,900 Building $50,250
2022	$989.00	$55,150 Land $4,900 Building $50,250	$220,600 (-) Land $19,600 Building $201,000
2021			$220,600 Land $19,600 Building $201,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 64% of Tennessee
Wildfire Likelihood	0.09% 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	CLEVELAND UTILITIES serves 95,087 people · EPA ID TN0000117
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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