4865 Upper River Rd NE, Charleston, TN 37310 Property Records

Polk County property record for 4865 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,691 sqft · built 1995
Lot Size	2.99 acres (130,244 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,500 (Sep 2020)
Tax Bill	$1,061 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070025O A 00100`

Property Details

APN / Parcel Number

Primary APN	`070025O A 00100`
Alternative APN	`025O A 00100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,691 sqft Living Area
1st Floor Area	1,691 sqft
Basement Area	1,664 sqft
Unfinished Basement	1,664 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2002
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	130,244 sqft (2.99 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	805 sqft
Deck Area	1 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	4865 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-7015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: A01
Legal Subdivision	DAVID BURGESS PROP
Legal Lot Number	2,3 3
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2005
Census Tract	950203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4865 UPPER RIVER RD NE, CHARLESTON, TN 37310-7015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Oct 6, 1995 · Amount on Record
Deed Document Number	20002100
Deed Book / Page	WD325 / 72
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Sep 8, 2020
Property Address	4865 UPPER RIVER RD NE, CHARLESTON, TN 37310-7015
Document Number	00WD325/72
Book / Page	WD325 / 72
Map Reference	MB 7 PG 139
Instrument Date	Aug 25, 2020
Instrument	20002100
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$601.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4865 UPPER RIVER RD NE, CHARLESTON, TN 37310-7015

Mortgage

Document Number	0020002101
Date	Sep 8, 2020
Instrument	20002101

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 10, 2050

Tax Assessment & Valuation

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	$1,061.00	$62,800 (-) Land $6,575 Building $56,225
2024	$1,061.00	$62,800 (-) Land $6,575 Building $56,225
2023	$1,061.00 (+7.83%)	$62,800 (+60.31%) Land $6,575 Building $56,225	$251,200 (+60.31%) Land $26,300 Building $224,900
2022	$984.00	$39,175 Land $6,575 Building $32,600	$156,700 Land $26,300 Building $130,400

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 May 18, 2009 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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	Moderate above 47% of the US · above 64% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 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	2 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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