454 Waterloo Rd, Westpoint, TN 38486 Property Records

Lawrence County property record for 454 Waterloo Rd, Westpoint, TN 38486

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,578 sqft · built 1968
Lot Size	2.33 acres (101,495 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2024)
Tax Bill	$684 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050099 01001`

Property Details

APN / Parcel Number

Primary APN	`050099 01001`
Alternative APN	`099 01001`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	128 sqft
Finished Basement	128 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	101,495 sqft (2.33 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	236 sqft
Shed	1 Shed
Shed Area	160 sqft
Utility Building	600 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	454 WATERLOO RD
City	WESTPOINT
State	TN
Zip	38486-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 6
Legal Subdivision	PAULINE VANDIVER
Jurisdiction	LAWRENCE TN
Township / Civil Division	13
Census Block Group	2
Census Block	2058
Census Tract	960200

Owner

Source: Lawrence County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit ASCEND FCU
May 7, 2021	Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Nov 20, 2017	Warranty Deed, Transfer · VA Mortgage ALTERRA HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2024 · Amount on Record
Deed Sale	May 17, 2024 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	20242458
Deed Book / Page	745 / 1
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025

Mortgage

Document Number	0000726208
Date	Oct 10, 2023
Book Page	726/208
Instrument	23005420

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000697937
Date	Nov 30, 2022
Book Page	697/937
Instrument	22007774

Lender

Name	ASCEND FCU
Type	Credit Union
Address	TULLAHOMA, TN 37388

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	May 7, 2021
Property Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025
Document Number	0000632364
Book / Page	632 / 364
Instrument Date	May 5, 2021
Instrument	21002976
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025

Mortgage

Document Number	0021002977
Date	May 7, 2021
Instrument	21002977

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Nov 20, 2017
Property Address	454 WATERLOO RD, WESTPOINT, TN 38486-5025
Document Number	52152
Book / Page	000521 / 000052
Instrument Date	Nov 16, 2017
Instrument	5863
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
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	454 WATERLOO RD WESTPOINT TN 384865025, WESTPOINT, TN 38486-5025

Mortgage

Document Number	52155
Date	Nov 20, 2017
Book Page	000521/000055
Instrument	5864

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2047

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$684.00 (+1.94%)	$34,000 (+1.95%) Land $3,950 Building $30,050
2023	$671.00	$33,350 (-) Land $3,950 Building $29,400
2022	$671.00	$33,350 Land $3,950 Building $29,400	$136,000 Land $15,800 Building $120,200

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 November 17, 2016

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	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% 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	LAWRENCEBURG UTILITY SYSTEMS serves 21,244 people · EPA ID TN0000392
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	7 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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