478 N Point Dr, Summertown, TN 38483 Property Records

Lawrence County property record for 478 N Point Dr, Summertown, TN 38483

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,658 sqft · built 2022
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Jul 2022)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050002 00251`

Property Details

APN / Parcel Number

Primary APN	`050002 00251`
Alternative APN	`002 00251`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,658 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	225 sqft
Deck Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	478 N POINT DR
City	SUMMERTOWN
State	TN
Zip	38483-7314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:5 DIST:13 MAP REF:002
Legal Lot Number	5
Jurisdiction	LAWRENCE TN
Township / Civil Division	12
Census Block Group	1
Census Block	1017
Census Tract	960100

Owner

Source: Lawrence County records, as of January 22, 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
Co-owner	Co-owner on Record
Mailing Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 3, 2022	Deed of Trust, Mortgage LAWRENCEBURG FEDERAL BANK
Feb 14, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Jul 7, 2022	Warranty Deed, Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	22004640
Deed Book / Page	682 / 864
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314

Mortgage

Document Number	0000801288
Date	Oct 14, 2025
Book Page	801/288
Instrument	25005958

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Aug 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 ASHMORE RD, SUMMERTOWN, TN 38483-7326

Mortgage

Document Number	0000660758
Date	Jan 3, 2022
Book Page	660/758
Instrument	22000044

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Amount	Amount Recorded
Term	11 Months
Due	Dec 30, 2022

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314

Mortgage

Document Number	0000070444
Date	Feb 14, 2023
Book Page	704/44
Instrument	23000881

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jul 7, 2022
Property Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314
Document Number	0000682864
Book / Page	682 / 864
Instrument Date	Jul 5, 2022
Instrument	22004640
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	SECURITY TITLE COMPANY, SECURITY T&E CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 N POINT DR, SUMMERTOWN, TN 38483-7314

Mortgage

Document Number	0022004641
Date	Jul 7, 2022
Instrument	22004641

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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

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	$1,391.00	$69,200 (-) Land $6,075 Building $63,125
2023	$1,391.00 (+83.51%)	$69,200 (+83.55%) Land $6,075 Building $63,125
2022	$758.00	$37,700 Land $6,075 Building $31,625	$276,800 Land $24,300 Building $252,500

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

Source: FEMA National Flood Hazard Layer, effective November 17, 2016 · 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	1 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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SUMMERTOWN UTILITY DISTRICT serves 5,593 people · EPA ID TN0000676
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2025) action level 15 ppb
Copper	2.19 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control May 2018
Monitoring and Reporting	5 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Meriwether Lewis Connect Fiber	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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