45 Roberts Ln, Lebanon, TN 37087 Property Records

Smith County property record for 45 Roberts Ln, Lebanon, TN 37087

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,248 sqft · built 1991
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 2026)
Tax Bill	$848 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048P-A-020.00`

Property Details

APN / Parcel Number

Primary APN	`048P-A-020.00`
Alternative APNs	`12048IA048P02000` `080048P A 02000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.72 acres)
Lot Dimensions	160 ft deep x 200 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 ROBERTS LN
City	LEBANON
State	TN
Zip	37087-9290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN RIVER EST PB 2 PG 41 LOT 20 LOTS 19 & 20 200 X 160 / CAB A SLIDE 36
Legal Subdivision	HIDDEN RIVER EST
Legal Lot Number	20
Jurisdiction	SMITH TN
Township / Civil Division	4
Census Block Group	3
Census Block	3014
Census Tract	975200

Owner

45 Roberts Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Smith County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 ROBERTS LN, LEBANON, TN 37087-9290
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK
Dec 14, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Nov 24, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	Feb 12, 1994 · Amount on File
Deed Document Number	20262487
Deed Book / Page	517 / 92
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMITH TN
Recording Date	Aug 6, 2026
Property Address	45 ROBERTS LN, LEBANON, TN 37087-9290
Document Number	0000002487
Book / Page	517 / 92
Instrument Date	Aug 3, 2026
Instrument	20262487
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128,926.50
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	45 ROBERTS LN, LEBANON, TN 37087-9290

Mortgage

Document Number	0000002488,
Date	Aug 6, 2026
Instrument	20262488

Lender

Name	CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.49%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TN
Property Address	45 ROBERTS LN, LEBANON, TN 37087-9290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ROBERTS LN, LEBANON, TN 37087-9290

Mortgage

Document Number	390607
Date	Dec 14, 2020
Book Page	390/607
Instrument	20004042

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.08%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH TN
Property Address	45 ROBERTS LN, LEBANON, TN 37087-9290
Document Number	390621
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 ROBERTS LN LEBANON TN 370879290, LEBANON, TN 37087-9290

Mortgage

Document Number	390621
Date	Dec 14, 2020
Book Page	000390/000621
Instrument	4043

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	3.08%

Tax Assessment & Valuation

The 2025 property tax bill for 45 Roberts Ln was $848.

Source: Smith County assessment roll, as of December 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$848.00	$48,950 Land $7,500 Building $41,450	$195,800 Land $30,000 Building $165,800
2023		$48,950 (-) Land $7,500 Building $41,450
2022		$48,950 Land $7,500 Building $41,450	$195,800 Land $30,000 Building $165,800
2019	$724.00

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 45 Roberts Ln in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	29 (2010–2021)
Claims Outside the SFHA	20 of 29
Most Recent Claim	Dec 2021 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Mar 2019 · 3 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 5 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 45 Roberts Ln 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	SMITH UTILITY DISTRICT serves 8,466 people · EPA ID TN0000636
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	27 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
DeKalb Telephone Cooperative Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Roberts Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures