480 Gary Cv, Somerville, TN 38068 Property Records

Fayette County property record for 480 Gary Cv, Somerville, TN 38068

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,832 sqft · built 1974
Lot Size	4.55 acres (198,198 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Feb 2021)
Tax Bill	$854 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`131-032.00`

Property Details

APN / Parcel Number

Primary APN	`131-032.00`
Alternative APNs	`1413113103200` `024131 03200`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,832 sqft Living Area
Gross Area	3,904 sqft
1st Floor Area	2,324 sqft
Upper Floors Area	1,508 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	198,198 sqft (4.55 acres)
Terrain	Rolling

Exterior Amenities

Porch	Stoop
Porch Area	72 sqft
Deck Area	576 sqft
Patio Area	576 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	480 GARY CV
City	SOMERVILLE
State	TN
Zip	38068-7110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WORTHAM LOT: 23
Legal Subdivision	WORTHAM
Legal Lot Number	23
Jurisdiction	FAYETTE TN
Township / Civil Division	2
Census Block Group	1
Census Block	1001
Census Tract	60502

Owner

480 Gary Cv is owned and occupied by two individuals who bought it in February 2021.

Source: Fayette County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	480 GARY CV, SOMERVILLE, TN 38068-7110
Occupancy	Owner Occupied
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
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Jul 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage THE BANK OF FAYETTE COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	May 28, 2004 · Amount on File
Deed Document Number	20211035
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Recording Date	Apr 23, 2026
Property Address	480 GARY CV, SOMERVILLE, TN 38068-7110
Document Number	0000002444
Instrument Date	Apr 17, 2026
Instrument	20262444
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 GARY CV, SOMERVILLE, TN 38068-7110

Mortgage

Document Number	0000002444,
Date	Apr 23, 2026
Instrument	20262444

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.54%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Property Address	480 GARY CV, SOMERVILLE, TN 38068-7110
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004023
Date	Jul 13, 2023
Instrument	23004023

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Feb 1, 2021
Property Address	480 GARY CV, SOMERVILLE, TN 38068-7110
Document Number	0000001035
Instrument Date	Jan 29, 2021
Instrument	21001035
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 GARY CV, SOMERVILLE, TN 38068-7110

Mortgage

Document Number	0000001036
Date	Feb 1, 2021
Instrument	21001036

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 480 Gary Cv was $854, up 7.4% from the year before.

Source: Fayette County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$854.00 (+7.42%)	$91,750 Land $16,350 Building $75,400	$367,000 Land $65,400 Building $301,600
2024	$795.00
2023		$61,550 Land $8,750 Building $52,800
2021			$246,200 Land $35,000 Building $211,200

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

FEMA maps place 480 Gary Cv in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 31, 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 480 Gary Cv is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 71% of Tennessee
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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