Fayette County property record for 495 Terry Rd, Somerville, TN 38068
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,040 sqft · built 2007 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $156,000 (Jan 2009) |
| Tax Bill | $1,197 (2025) |
| Deeds & Mortgages | Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 087C-A-038.00 |
| Primary APN | 087C-A-038.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 2,480 sqft |
| 1st Floor Area | 1,680 sqft |
| Attic | Attic |
| Attic Area | 360 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 165 ft deep x 85 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Patio Area | 180 sqft |
| Utility Building | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 495 TERRY RD |
|---|---|
| City | SOMERVILLE |
| State | TN |
| Zip | 38068-5307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKLAND WOODS PB: 8 PG: 115 LOT: 217 SECTION E 85 X 165 |
| Legal Subdivision | OAKLAND WOODS |
| Legal Lot Number | 217 |
| Jurisdiction | FAYETTE TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 60404 |
495 Terry Rd is owned by an individual who bought it in January 2009.
Source: Fayette County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 TERRY PINES CV, COVINGTON, TN 38019 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2009 · Amount on File |
| Deed Sale | Jan 6, 2009 · Amount on File |
| Prior Sale | Dec 31, 2008 · Amount on File |
| Deed Document Number | 200977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FAYETTE TN |
| Property Address | 495 TERRY RD, SOMERVILLE, TN 38068-5307 |
| Document Number | 0000000840 |
| Instrument Date | Jan 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 495 TERRY RD SOMERVILLE TN 380685307, SOMERVILLE, TN 38068-5307 |
| Document Number | 0000000840 |
|---|---|
| Date | Feb 8, 2017 |
| Instrument | 840 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 495 Terry Rd was $1,197.
Source: Fayette County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Fayette County |
| Municipality | Oakland Town |
| Unified School District | Fayette County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,197.00 | $76,500 Land $12,500 Building $64,000 | $306,000 Land $50,000 Building $256,000 |
| 2023 | $54,275 Land $10,000 Building $44,275 | ||
| 2021 | $217,100 Land $40,000 Building $177,100 |
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.
FEMA maps place 495 Terry Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 31, 2025 · 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 | 2 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 risk around 495 Terry Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 | OAKLAND WATER DEPT serves 15,443 people · EPA ID TN0000521 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| 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 | 3 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Aeneas Communications.
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