4648 Smitty Dr, Murfreesboro, TN 37128 Property Records

Rutherford County property record for 4648 Smitty Dr, Murfreesboro, TN 37128

Property Summary

Property Type	Single Family Home
Details	2,489 sqft · built 2005
Lot Size	0.266 acres (11,592 sqft)
Owner	2 Individual Names on File
Last Sale	$254,000 (May 2014)
Tax Bill	$2,967 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`093L-C-004.00-000`

Property Details

APN / Parcel Number

Primary APN	`093L-C-004.00-000`
Alternative APNs	`093L C 00400` `R0058758`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,489 sqft Living Area
1st Floor Area	4,011 sqft
Upper Floors Area	1,468 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	11,592 sqft (0.266 acres)
Lot Dimensions	123 ft deep x 94.2 ft wide
Garage Type	Attached
Garage Area	2,167 sqft
Driveway	Driveway
Porch	Slab
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0058758
Street Address	4648 SMITTY DR
City	MURFREESBORO
State	TN
Zip	37128-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLACKMAN COVE SEC 1 PB 28 PG 78 94.2 X 123.06 IRR
Legal Subdivision	BLACKMAN COVE SEC 1
Legal Lot Number	4
Jurisdiction	RUTHERFORD TN
Township / Civil Division	20
Census Block Group	1
Census Block	1022
Census Tract	40907

Owner

4648 Smitty Dr is owned and occupied by two individuals who bought it in May 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	4648 SMITTY DR, MURFREESBORO, TN 37128-5120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (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
May 8, 2020	Deed of Trust, Mortgage · Conventional with PMI LEGACY HOME MORTGAGE INC LEGACY HOME MORTGAGE INC
Aug 22, 2018	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2014 · Amount on File
Deed Sale	May 12, 2014 · Amount on File
Prior Sale	May 12, 2014 · Amount on File
Deed Book / Page	1295 / 1439
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	4648 SMITTY DR, MURFREESBORO, TN 37128-5120
Document Number	RB19021727
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	SOLOMONPARKS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4648 SMITTY DR MURFREESBORO TN 371285120, MURFREESBORO, TN 37128-5120

Mortgage

Document Number	RB19021727
Date	May 13, 2020
Book Page	001902/001727
Instrument	2274422

Lender

Name	LEGACY HOME MORTGAGE INC LEGACY HOME MORTGAGE INC
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 12, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	4648 SMITTY DR, MURFREESBORO, TN 37128-5120
Document Number	RB17082937
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4648 SMITTY DR MURFREESBORO TN 371285120, MURFREESBORO, TN 37128-5120

Mortgage

Document Number	RB17082937
Date	Sep 11, 2018
Book Page	001708/002937
Instrument	2166667

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4648 Smitty Dr was $2,967.

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		$132,000 (+25.86%) Land $35,000 Building $97,000	$528,000 Land $140,000 Building $388,000
2025	$2,967.00	$104,875 Land $13,750 Building $91,125
2023	$2,967.00	$104,875 Land $13,750 Building $91,125	$419,500 (-) Land $55,000 Building $364,500
2022			$419,500 Land $55,000 Building $364,500

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 4648 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 4648 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 98% of the US · lower than 98.3% 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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