4531 Smitty Dr, Murfreesboro, TN 37128 Property Records

Rutherford County property record for 4531 Smitty Dr, Murfreesboro, TN 37128

Property Summary

Property Type	Single Family Home
Details	2,901 sqft · built 2014
Lot Size	0.313 acres (13,625 sqft)
Owner	2 Individual Names on File
Last Sale	$393,000 (May 2019)
Tax Bill	$3,702 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093L-E-008.00-000`

Property Details

APN / Parcel Number

Primary APN	`093L-E-008.00-000`
Alternative APNs	`093L E 00800` `R0106903`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Building Area	2,901 sqft Living Area
1st Floor Area	2,834 sqft
Upper Floors Area	1,193 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2015
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	13,625 sqft (0.313 acres)
Lot Dimensions	146 ft deep x 93.3 ft wide
Garage Type	Attached
Garage Area	705 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	R0106903
Street Address	4531 SMITTY DR
City	MURFREESBORO
State	TN
Zip	37128-5546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 TRAFALGAR SQUARE SEC 1 PB 36 PG 280 SPLIT OFF 93-17.04 FOR 13 93.3 X 146.03
Legal Subdivision	TRAFALGAR SQUARE SEC 1
Legal Lot Number	8
Jurisdiction	RUTHERFORD TN
Township / Civil Division	20
Census Block Group	1
Census Block	1033
Census Tract	40907

Owner

4531 Smitty Dr is owned and occupied by two individuals who bought it in May 2019.

Source: Rutherford County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4531 SMITTY DR, MURFREESBORO, TN 37128-5546
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

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST MTG SOLUTIONS
Apr 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on File
Deed Sale	May 16, 2019 · Amount on File
Prior Sale	Mar 6, 2015 · Amount on File
Deed Document Number	20192206234
Deed Book / Page	1773 / 2521
Prior Transfer Date	Aug 26, 2014
Prior Transfer Doc	13192315
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	4531 SMITTY DR, MURFREESBORO, TN 37128-5546
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019842782
Date	Oct 29, 2020
Book Page	1984/2782
Instrument	2314849

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	4531 SMITTY DR, MURFREESBORO, TN 37128-5546
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021921980
Date	Jan 10, 2022
Book Page	2192/1980
Instrument	2416084

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	May 16, 2019
Property Address	4531 SMITTY DR, MURFREESBORO, TN 37128-5546
Document Number	RB17732521
Book / Page	001773 / 002521
Instrument Date	May 13, 2019
Instrument	2206234
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	PREMIER LAND TITLE ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,454.10
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	4531 SMITTY DR MURFREESBORO TN 371285546, MURFREESBORO, TN 37128-5546

Mortgage

Document Number	RB17732524
Date	May 16, 2019
Book Page	001773/002524
Instrument	2206235

Lender

Name	FIRST MTG SOLUTIONS
Type	Mortgage Company
Address	KANSAS CITY, ME 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	4531 SMITTY DR, MURFREESBORO, TN 37128-5546
Document Number	RB15661557
Book / Page	001566 / 001557
Instrument Date	Apr 15, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 SMITTY DR MURFREESBORO TN 371285546, MURFREESBORO, TN 37128-5546

Mortgage

Document Number	RB15661557
Date	Apr 26, 2017
Book Page	001566/001557
Instrument	2080961

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 25, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4531 Smitty Dr was $3,702.

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Rutherford County
Municipality	Murfreesboro City
Elementary School District	Murfreesboro City School District (PK - 06)
Secondary School District	Rutherford County School District in Murfreesboro (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$157,950 (+20.69%) Land $35,000 Building $122,950	$631,800 Land $140,000 Building $491,800
2025	$3,702.00	$130,875 Land $15,625 Building $115,250
2023	$3,702.00	$130,875 Land $15,625 Building $115,250	$523,500 (-) Land $62,500 Building $461,000
2022			$523,500 Land $62,500 Building $461,000

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 4531 Smitty Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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
Nearby Flood Policies	5 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

Wildfire risk around 4531 Smitty Dr is low, with less than 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 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	1 ppb (2026) 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: United Communications.

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