493 Shadow Rdg Dr, Jackson, TN 38305 Property Records

Madison County property record for 493 Shadow Rdg Dr, Jackson, TN 38305

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,378 sqft · built 1988
Lot Size	1.17 acres (51,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Sep 2026)
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`045F-A-033.00`

Property Details

APN / Parcel Number

Primary APN	`045F-A-033.00`
Alternative APNs	`03045CA045F03300` `057045F A 03300`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,378 sqft Living Area
Gross Area	3,819 sqft
1st Floor Area	1,796 sqft
Upper Floors Area	630 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2006
Architectural Style	L-Shape
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	51,192 sqft (1.17 acres)
Lot Dimensions	324 ft deep x 158 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	860 sqft
Porch	Slab
Porch Area	280 sqft
Patio Area	360 sqft
Gazebo	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	493 SHADOW RIDGE DR
City	JACKSON
State	TN
Zip	38305-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRY HILL PLACE PB 5 PG 26 BLK 2 LOT 207 ANNEXED 4/2011 158.7X324.4
Legal Subdivision	CHERRY HILL PLACE
Legal Block	2
Legal Lot Number	207
Jurisdiction	MADISON TN
Township / Civil Division	9
Census Block Group	1
Census Block	1010
Census Tract	1610

Owner

Source: Madison County records, as of September 22, 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	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Conventional Mortgage ASCEND FEDERAL CREDIT UNION
May 19, 2023	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Dec 1, 2021	Deed of Trust, Mortgage · Line of Credit LEADERS CU
Jun 1, 2018	Deed of Trust, Mortgage REGIONS BANK
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIMMONS BANK
Sep 30, 2020	Loan Modification, Mortgage · Conventional with PMI FIRSTBANK
Oct 4, 2019	Warranty Deed, Transfer · Construction Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	May 19, 2023 · Amount on Record
Deed Document Number	202610555
Deed Book / Page	799 / 509
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	Sep 4, 2026
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Document Number	0000010555
Book / Page	799 / 509
Instrument Date	Sep 3, 2026
Instrument	202610555
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$186,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522

Mortgage

Document Number	0000010556,
Date	Sep 4, 2026
Book Page	2320/998
Instrument	202610556

Lender

Name	ASCEND FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	May 19, 2023
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Document Number	0D777/1454
Book / Page	D777 / 1454
Instrument Date	May 18, 2023
Instrument	23005117
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522

Mortgage

Document Number	0023005118
Date	May 19, 2023
Instrument	23005118

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T2180/1086
Date	Dec 1, 2021
Book Page	T2180/1086
Instrument	21017124

Lender

Name	LEADERS CU
Type	Credit Union
Address	JACKSON, TN 38308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Nov 30, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006076
Date	Jun 1, 2018
Book Page	T2071/1317
Instrument	18006076

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount Recorded
Term	179 Months
Due	May 21, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015888
Date	Dec 10, 2020
Book Page	T2143/402
Instrument	20015888

Lender

Name	SIMMONS BANK
Type	Bank
Address	PINE BLUFF, AR 71601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON TN
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Document Number	0000012493
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 SHADOW RIDGE DR JACKSON TN 383058522, JACKSON, TN 38305-8522

Mortgage

Document Number	0000012493
Date	Oct 1, 2020
Book Page	0T2136/000596
Instrument	12493

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Sep 30, 2021

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	Oct 4, 2019
Property Address	493 SHADOW RIDGE DR, JACKSON, TN 38305-8522
Document Number	0000012294
Book / Page	00D753 / 001973
Instrument Date	Sep 30, 2019
Instrument	12294
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$943.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 SHADOW RIDGE DR JACKSON TN 383058522, JACKSON, TN 38305-8522

Mortgage

Document Number	12295
Date	Oct 4, 2019
Book Page	0T2105/001541
Instrument	12295

Lender

Name	FIRSTBANK
Type	Bank
Address	JACKSON, TN 38305

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 3, 2020

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Madison County
Municipality	Jackson City
Unified School District	Jackson-Madison County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,624.00 (-46.24%)	$86,675 (-) Land $15,000 Building $71,675	$346,700 (-) Land $60,000 Building $286,700
2023		$86,675 Land $15,000 Building $71,675
2022	$3,021.00		$346,700 Land $60,000 Building $286,700

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 August 3, 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2010–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 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	JACKSON WATER SYSTEM serves 91,111 people · EPA ID TN0000299
Water Source	Groundwater
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	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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
EPlus Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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