461 Richards Ln, Whitwell, TN 37397 Property Records

Marion County property record for 461 Richards Ln, Whitwell, TN 37397

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,360 sqft · built 1973
Lot Size	10.9 acres (477,853 sqft)
Owner	Individual Name on File
Last Sale	$691,000 (Dec 2025)
Tax Bill	$1,285 (2022)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`058057 01001`

Property Details

APN / Parcel Number

Primary APN	`058057 01001`
Alternative APN	`057 01001`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,360 sqft Living Area
1st Floor Area	1,475 sqft
Upper Floors Area	1,475 sqft
Interior Walls	Paneling
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1996
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	477,853 sqft (10.9 acres)
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	185 sqft
Utility Building	1 sqft
Pole Barn	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	461 RICHARDS LN
City	WHITWELL
State	TN
Zip	37397-7662
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: R01
Legal Subdivision	TRUE LINE CO
Jurisdiction	MARION TN
Township / Civil Division	5
Census Block Group	2
Census Block	2012
Census Tract	50101

Owner

461 Richards Ln is owned by an individual who bought it in December 2025.

Source: Marion County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	706 ELINOR ST, CHATTANOOGA, TN 37405-2824
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
Feb 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA
Dec 4, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2025 · Amount on File
Deed Sale	Dec 4, 2025 · Amount on File
Prior Sale	Oct 2, 1997 · Amount on File
Deed Document Number	25005065
Deed Book / Page	616 / 1327
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION TN
Property Address	461 RICHARDS LN, WHITWELL, TN 37397-7662
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000619760
Date	Feb 6, 2026
Book Page	619/760
Instrument	26005962

Lender

Name	RAYMOND JAMES BANK NA
Type	Bank
Address	710 CARILLON PKWY, ST PETERSBURG, FL 33716

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION TN
Recording Date	Dec 4, 2025
Property Address	461 RICHARDS LN, WHITWELL, TN 37397-7662
Document Number	0006161327
Book / Page	616 / 1327
Instrument Date	Dec 3, 2025
Instrument	25005065
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount on Record
Tax	$2,556.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 ELINOR ST, CHATTANOOGA, TN 37405-2824

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Marion County
Municipality	Powells Crossroads Town
Unified School District	Marion County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$72,975 (-) Land $22,225 Building $50,750
2024		$72,975 (-) Land $22,225 Building $50,750
2023		$72,975 Land $22,225 Building $50,750
2022	$1,285.00
2021			$291,900 Land $88,900 Building $203,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 461 Richards Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 461 Richards Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 93% of Tennessee
Wildfire Likelihood	0.3% 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	TN AMERICAN SEQUATCHIE VALLEY private · serves 8,001 people · EPA ID TN0000749
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	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	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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richards Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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