Madison County property record for 494 McO Rd, Jackson, TN 38305
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,208 sqft · built 1978 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $94,892 (Feb 2018) |
| Tax Bill | $2,530 (2022) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 057043 07803 |
| Primary APN | 057043 07803 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,208 sqft Living Area |
| 1st Floor Area | 2,169 sqft |
| Upper Floors Area | 940 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 49,223 sqft (1.13 acres) |
| Garage Type | Mixed |
| Garage Area | 888 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 475 sqft |
| Bath House | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 494 MCO RD |
|---|---|
| City | JACKSON |
| State | TN |
| Zip | 38305-6426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: D49 |
| Jurisdiction | MADISON TN |
| Township / Civil Division | 10 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1603 |
Source: Madison 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Line of Credit LEADERS CU |
| Aug 12, 2021 | Deed of Trust, Mortgage · Line of Credit MCKENZIE BANKING COMPANY |
| May 4, 2020 | Deed of Trust, Mortgage · Conventional with PMI MCKENZIE BKNG |
| Nov 25, 2019 | Loan Modification, Mortgage · Conventional Mortgage MCKENZIE BKNG |
| Apr 23, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage MCKENZIE BKNG |
| Feb 5, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2018 · Amount on Record |
| Deed Sale | Feb 5, 2018 · Amount on Record |
| Deed Document Number | 18001116 |
| Deed Book / Page | D744 / 039 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON TN |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00T2204/73 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | T2204/73 |
| Instrument | 22010208 |
| Name | LEADERS CU |
|---|---|
| Type | Credit Union |
| Address | JACKSON, TN 38305 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jul 31, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON TN |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | T2168/1060 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | T2168/1060 |
| Instrument | 21011481 |
| Name | MCKENZIE BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | MC KENZIE, TN 38201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON TN |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Document Number | 0000006219 |
| Instrument Date | May 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 494 MCO RD JACKSON TN 383056426, JACKSON, TN 38305-6426 |
| Document Number | 0000006219 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 0T2124/000034 |
| Instrument | 6219 |
| Name | MCKENZIE BKNG |
|---|---|
| Type | Funding / Finance Company |
| Address | MCKENZIE, TN 38201 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 27, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MADISON TN |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Document Number | 0000015091 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 0000015091 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 0T2110/000960 |
| Instrument | 15091 |
| Name | MCKENZIE BKNG |
|---|---|
| Type | Funding / Finance Company |
| Address | MCKENZIE, TN 38201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 4, 2020 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON TN |
| Recording Date | Apr 23, 2018 |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Book / Page | 0T2068 / 001671 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 4233 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 494 MCO RD JACKSON TN 383056426, JACKSON, TN 38305-6426 |
| Document Number | 0000004233 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 0T2068/001671 |
| Instrument | 4233 |
| Name | MCKENZIE BKNG |
|---|---|
| Type | Funding / Finance Company |
| Address | MCKENZIE, TN 38201 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 22, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON TN |
| Recording Date | Feb 5, 2018 |
| Property Address | 494 MCO RD, JACKSON, TN 38305-6426 |
| Document Number | 0000001116 |
| Book / Page | 00D744 / 000039 |
| Instrument Date | Feb 2, 2018 |
| Instrument | 1116 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $351.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 494 MCO RD JACKSON TN 383056426, JACKSON, TN 38305-6426 |
Source: Madison County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Madison County |
| Municipality | Jackson City |
| Unified School District | Jackson-Madison County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $72,800 (-) Land $9,675 Building $63,125 | ||
| 2023 | $72,800 Land $9,675 Building $63,125 | ||
| 2022 | $2,530.00 | $291,200 Land $38,700 Building $252,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2007 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| EPlus Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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