4982 Upper River Rd NE, Charleston, TN 37310 Property Records

Polk County property record for 4982 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1974
Lot Size	1.07 acres (46,851 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jun 2021)
Tax Bill	$675 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070025 02104`

Property Details

APN / Parcel Number

Primary APN	`070025 02104`
Alternative APN	`025 02104`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2011
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	46,851 sqft
Lot Dimensions	291 ft deep x 161 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	104 sqft
Patio Area	80 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	4982 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: A01
Legal Subdivision	RICHMOND SURVEYING CO
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2010
Census Tract	950203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4982 UPPER RIVER RD NE, CHARLESTON, TN 37310-6087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage TRULIANT FCU
May 8, 2020	Grant Deed, Transfer · Conventional Mortgage HANK W WILSON
Jan 21, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	May 8, 2020 · Amount on Record
Deed Document Number	21001703
Deed Book / Page	WD331 / 227
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jun 3, 2021
Property Address	4982 UPPER RIVER RD NE, CHARLESTON, TN 37310-6087
Document Number	WD331/227
Book / Page	WD331 / 227
Instrument Date	May 25, 2021
Instrument	21001703
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	REALTY T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4982 UPPER RIVER RD NE, CHARLESTON, TN 37310-6087

Mortgage

Document Number	0TD544/229
Date	Jun 3, 2021
Book Page	TD544/229
Instrument	21001704

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK TN
Recording Date	May 8, 2020
Property Address	4982 UPPER RIVER RD NE, CHARLESTON, TN 37310-6087
Document Number	0000000990
Book / Page	000322 / 000224
Instrument Date	May 6, 2020
Instrument	990
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4982 UPPER RIVER RD NE CHARLESTON TN 373106087, CHARLESTON, TN 37310-6087

Mortgage

Document Number	991
Date	May 8, 2020
Book Page	000524/000300
Instrument	991

Lender

Name	HANK W WILSON
Address	PO BOX 200, OCOEE, TN 37361-0200
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	POLK TN
Recording Date	Jan 21, 2020
Property Address	4982 UPPER RIVER RD NE, CHARLESTON, TN 37310-6087
Document Number	0000000123
Book / Page	000320 / 000217
Instrument Date	Jan 8, 2020
Instrument	123
Transaction Type	Foreclosure
Record Updated	Feb 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$193.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 CENTRAL AVE NW CLEVELAND TN 373114922, CLEVELAND, TN 37311-4922

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$675.00	$39,950 (-) Land $2,750 Building $37,200
2024	$675.00	$39,950 (-) Land $2,750 Building $37,200
2023	$675.00 (+103.93%)	$39,950 (+203.23%) Land $2,750 Building $37,200	$159,800 (+203.23%) Land $11,000 Building $148,800
2022	$331.00	$13,175 Land $2,750 Building $10,425	$52,700 Land $11,000 Building $41,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
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	2 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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