488 Prater Rd, Smithville, TN 37166 Property Records

DeKalb County property record for 488 Prater Rd, Smithville, TN 37166

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,416 sqft · built 2020
Lot Size	7.86 acres (342,382 sqft)
Owner	2 Individual Names on File
Last Sale	$58,000 (Aug 2019)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021082 02303`

Property Details

APN / Parcel Number

Primary APN	`021082 02303`
Alternative APN	`082 02303`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,416 sqft Living Area
1st Floor Area	952 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	342,382 sqft (7.86 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	1 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	488 PRATER RD
City	SMITHVILLE
State	TN
Zip	37166-4908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 5
Jurisdiction	DE KALB TN
Township / Civil Division	5
Census Block Group	1
Census Block	1010
Census Tract	920102

Owner

488 Prater Rd is owned and occupied by two individuals who bought it in August 2019.

Source: DeKalb County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	488 PRATER RD, SMITHVILLE, TN 37166-4908
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
Dec 11, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Nov 22, 2019	Deed of Trust, Mortgage LIBERTY ST BK
Aug 14, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Jun 17, 2005
Deed Document Number	2019188332
Deed Book / Page	449 / 931
Transfer Doc	0002240048
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	488 PRATER RD, SMITHVILLE, TN 37166-4908
Document Number	0000195061
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 27, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 PRATER RD SMITHVILLE TN 371664908, SMITHVILLE, TN 37166-4908

Mortgage

Document Number	0000195061
Date	Dec 16, 2020
Book Page	000481/000543
Instrument	195061

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	488 PRATER RD, SMITHVILLE, TN 37166-4908
Document Number	0000189761
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 PRATER RD SMITHVILLE TN 371664908, SMITHVILLE, TN 37166-4908

Mortgage

Document Number	0000189761
Date	Nov 25, 2019
Book Page	000456/000271
Instrument	189761

Lender

Name	LIBERTY ST BK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Nov 24, 2020

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Aug 14, 2019
Property Address	488 PRATER RD, SMITHVILLE, TN 37166-4908
Document Number	0000188332
Book / Page	000449 / 000931
Instrument Date	Aug 12, 2019
Instrument	188332
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$214.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 PRATER RD SMITHVILLE TN 371664908, SMITHVILLE, TN 37166-4908

Tax Assessment & Valuation

The 2025 property tax bill for 488 Prater Rd was $2,262.

Source: DeKalb County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,262.00	$90,100 Land $15,050 Building $75,050
2023		$90,100 (-) Land $15,050 Building $75,050
2022	$1,559.00	$90,100 Land $15,050 Building $75,050	$360,400 (-) Land $60,200 Building $300,200
2021			$360,400 Land $60,200 Building $300,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 488 Prater Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 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 488 Prater Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	DEKALB UTILITY DISTRICT #1 serves 17,960 people · EPA ID TN0000188
Water Source	Surface water
Last State Inspection	Sep 2025
Also Mapped Here	DEKALB UTILITY DISTRICT #4
Lead	1 ppb (2026–2028) 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DeKalb Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

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

Nearby Properties on Prater Rd

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