449 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 449 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,618 sqft · built 2004
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Oct 2018)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-070.16`

Property Details

APN / Parcel Number

Primary APN	`045-070.16`
Alternative APNs	`0104504507016` `070045 07016`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,618 sqft Living Area
Gross Area	4,098 sqft
1st Floor Area	2,092 sqft
Upper Floors Area	1,526 sqft
Basement Area	1,046 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,965 sqft (1.17 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	210 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	449 THOMAS RD
City	BENTON
State	TN
Zip	37307-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSTONE SUB PB: 8 PG: 130 LOT: 16
Legal Subdivision	RIVERSTONE SUB
Legal Lot Number	16
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2030
Census Tract	950203

Owner

Source: Polk County records, as of December 3, 2025

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	449 THOMAS RD, BENTON, TN 37307-5208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Mar 28, 2022	Intrafamily Transfer, Transfer
Nov 27, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Oct 15, 2018	Warranty Deed, Transfer KELTY TITLE AND ESCROW SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Jul 24, 2012 · Amount on Record
Deed Document Number	20182203
Deed Book / Page	312 / 146
Last Transfer Date	Mar 20, 2022
Transfer Doc	0WD319/420
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	449 THOMAS RD, BENTON, TN 37307-5208
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 THOMAS RD, BENTON, TN 37307-5208

Mortgage

Document Number	000003/316
Date	Oct 22, 2025
Book Page	3/316
Instrument	25002620

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	3870 KEITH ST NW, CLEVELAND, TN 37312

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 16, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	449 THOMAS RD, BENTON, TN 37307-5208
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00TD559/85
Date	Mar 31, 2022
Book Page	TD559/85
Instrument	22001034

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Mar 28, 2022
Property Address	449 THOMAS RD, BENTON, TN 37307-5208
Document Number	0WD319/420
Book / Page	WD319 / 420
Map Reference	MB 8 PG 130
Instrument Date	Mar 20, 2022
Instrument	22000989
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 THOMAS RD, BENTON, TN 37307-5208

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Nov 27, 2019
Property Address	449 THOMAS RD, BENTON, TN 37307-5208
Document Number	0WD319/270
Book / Page	WD319 / 270
Map Reference	MB 8 PG 130
Instrument Date	Oct 12, 2019
Instrument	19002610
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	RESOURCE RE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	449 THOMAS RD, BENTON, TN 37307-5208

Mortgage

Document Number	0019002611
Date	Nov 27, 2019
Instrument	19002611

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 15, 2018
Property Address	449 THOMAS RD, BENTON, TN 37307-5208
Document Number	0000002203
Book / Page	000312 / 000146
Instrument Date	Oct 12, 2018
Instrument	2203
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	KELTY TITLE AND ESCROW SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,054.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	449 THOMAS RD BENTON TN 373075208, BENTON, TN 37307-5208

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	$1,713.00	$101,400 (-) Land $5,625 Building $95,775	$405,600 (-) Land $22,500 Building $383,100
2024	$1,713.00	$101,400 (-) Land $5,625 Building $95,775
2023	$1,713.00 (+12.11%)	$101,400 (+66.71%) Land $5,625 Building $95,775	$405,600 (+66.71%) Land $22,500 Building $383,100
2022	$1,528.00	$60,825 Land $4,250 Building $56,575	$243,300 Land $17,000 Building $226,300

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

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 43% of the US · above 61% 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	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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