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495 Highland Ave, Baxter, TN 38544 Property Records

Putnam County property record for 495 Highland Ave, Baxter, TN 38544

Property Summary

Property TypeSingle Family Home
Details4 ba · 2,365 sqft · built 2008
Lot Size5 acres (217,800 sqft)
Owner2 Individual Names on File
Tax Bill$2,844 (2022)
Deeds & MortgagesOct 2025 Mortgage
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN071056 15408

Property Details

APN / Parcel Number

Primary APN071056 15408
Alternative APN
  • 056 15408

Interior

Full Baths4 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories2 Stories
Building Area2,365 sqft Living Area
1st Floor Area2,365 sqft
Upper Floors Area240 sqft
Attic Area240 sqft
Basement Area2,365 sqft
Unfinished Basement2,365 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialBrick
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area217,800 sqft (5 acres)
Garage TypeMixed
Garage Area552 sqft
Parking Spaces7 Parking Spaces
PorchOpen Porch
Porch Area480 sqft
Patio Area400 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address495 HIGHLAND AVE
CityBAXTER
StateTN
Zip38544-4450
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 20, COUNTY AREA: N01
JurisdictionPUTNAM TN
Township / Civil Division8
Census Block Group4
Census Block4004
Census Tract1100

Owner

495 Highland Ave is owned by two individuals who acquired it in September 2006.

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

Owner of Record2 Individual Names on File
Mailing Address626 GRACE AVE, BAXTER, TN 38544-4430
Owner TypeIndividual

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

DateDocument
Oct 20, 2025Deed of Trust, Mortgage · Stand-Alone First Mortgage
PEOPLES BANK & TRUST CO
Feb 9, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 21, 2006
Deed SaleSep 21, 2006
Deed Document Number00RB343219
Record UpdatedJun 8, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM TN
Property Address495 HIGHLAND AVE, BAXTER, TN 38544-4450
Transaction TypeMortgage
Record UpdatedNov 3, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address495 HIGHLAND AVE, BAXTER, TN 38544-4450

Mortgage

Document Number0001652199
DateOct 20, 2025
Book Page1652/199
Instrument316882
Lender
NamePEOPLES BANK & TRUST CO
TypeBank
AddressBYRDSTOWN, TN 38549
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Term180 Months
DueOct 1, 2040
Interest
Rate TypeAdjustable Rate
Rate8.5%
Type Change DateOct 1, 2026
Change FrequencyAnnually
Min Rate At Change6.5%
Max Rate At Change10.5%
IndexSOFR Average 30-Day
Margin1
Max Rate14.5%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM TN
Property Address495 HIGHLAND AVE, BAXTER, TN 38544-4450
Transaction TypeMortgage
Record UpdatedOct 20, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001275349
DateFeb 9, 2021
Book Page1275/349
Instrument252354
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
MunicipalityBaxter Town
CountyPutnam County
Unified School DistrictPutnam County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$87,475 Land $5,625 Building $81,850
2023$87,475 Land $5,625 Building $81,850
2022$2,844.00
2021$349,900 Land $22,500 Building $327,400

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

Flood

FEMA maps place 495 Highland Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 495 Highland Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemBAXTER WATER DEPARTMENT
serves 7,781 people · EPA ID TN0000040
Water SourcePurchased surface water from several systems
Last State InspectionDec 2024
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Twin Lakes
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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