462 Nicholson Cir, Turtletown, TN 37391 Property Records

Polk County property record for 462 Nicholson Cir, Turtletown, TN 37391

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,374 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	2 Owner Names on File
Last Sale	$72,384 (Jun 2011)
Tax Bill	$601 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`070082 01200`

Property Details

APN / Parcel Number

Primary APN	`070082 01200`
Alternative APN	`082 01200`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	441 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	462 NICHOLSON CIR
City	TURTLETOWN
State	TN
Zip	37391-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: C01
Jurisdiction	POLK TN
Township / Civil Division	3
Census Block Group	1
Census Block	1072
Census Tract	950100

Owner

The current owner of 462 Nicholson Cir bought it in June 2011.

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

Owner of Record	2 Owner Names on File
Mailing Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Occupancy	Owner Occupied

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
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Jun 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2011 · Amount on File
Deed Sale	Jun 28, 2011 · Amount on File
Prior Sale	Nov 21, 2005 · Amount on File
Deed Document Number	11001384
Deed Book / Page	WD271 / 180
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	TITLE365 - OMAHA, TITLE365 OMAMA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846

Mortgage

Document Number	0TD551/411
Date	Nov 9, 2021
Book Page	TD551/411
Instrument	21003236

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MC CAYSVILLE, GA 30555

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD537/421
Date	Feb 2, 2021
Book Page	TD537/421
Instrument	21000326

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD488/483
Date	Jun 8, 2017
Book Page	TD488/483
Instrument	17001241

Lender

Name	UNITED COMMUNITY BANK
Address	MC CAYSVILLE, GA 30555

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 12, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD500/300
Date	Jun 18, 2018
Book Page	TD500/300
Instrument	18001291

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	462 NICHOLSON CIR, TURTLETOWN, TN 37391-4846
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD537/421
Date	Feb 2, 2021
Book Page	TD537/421
Instrument	21000326

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 462 Nicholson Cir was $601.

Source: Polk County assessment roll, as of May 20, 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	$601.00	$35,600 (-) Land $1,875 Building $33,725
2024	$601.00	$35,600 (-) Land $1,875 Building $33,725
2023	$601.00 (+10.28%)	$35,600 (+64.06%) Land $1,875 Building $33,725	$142,400 (+64.06%) Land $7,500 Building $134,900
2022	$545.00	$21,700 Land $1,875 Building $19,825	$86,800 Land $7,500 Building $79,300

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

FEMA maps place 462 Nicholson Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009

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 462 Nicholson Cir is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 97.9% of Tennessee
Wildfire Likelihood	0.6% 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	COPPER BASIN UTILITY DISTRICT serves 2,710 people · EPA ID TN0000844
Water Source	Surface water
Last State Inspection	Aug 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	1 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ETC Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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