503 E Main St, Union City, TN 38261 Property Records

Obion County property record for 503 E Main St, Union City, TN 38261

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,303 sqft · built 1900
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$379,500 (Jul 2021)
Tax Bill	$1,597 (2018)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066048L R 01400`

Property Details

APN / Parcel Number

Primary APN	`066048L R 01400`
Alternative APN	`048L R 01400`

Interior

Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	4,303 sqft Living Area
1st Floor Area	2,917 sqft
Upper Floors Area	1,386 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1976
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	247 sqft
Carport	Carport
Carport Area	247 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	472 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	503 E MAIN ST
City	UNION CITY
State	TN
Zip	38261-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	00
Legal Description	DISTRICT: 13
Jurisdiction	OBION TN
Township / Civil Division	2
Census Block Group	4
Census Block	4021
Census Tract	965600

Owner

Source: Obion County records, as of August 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	503 E MAIN ST, UNION CITY, TN 38261-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Warranty Deed, Transfer · Conventional Mortgage LEGENDS BANK
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK AND TRUST
Feb 8, 2018	Loan Modification, Mortgage FIRST CITIZENS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on File
Deed Sale	Jul 27, 2021 · Amount on File
Prior Sale	Jan 22, 2008 · Amount on File
Deed Document Number	202168854
Deed Book / Page	290 / 580
Transfer Doc	0022000045
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Jul 27, 2021
Property Address	503 E MAIN ST, UNION CITY, TN 38261-3408
Document Number	290/580
Book / Page	290 / 580
Instrument Date	Jul 22, 2021
Instrument	68854
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,404.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	503 E MAIN ST, UNION CITY, TN 38261-3408

Mortgage

Document Number	68855
Date	Jul 27, 2021
Instrument	68855

Lender

Name	LEGENDS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	503 E MAIN ST, UNION CITY, TN 38261-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 E MAIN ST, UNION CITY, TN 38261-3408

Mortgage

Document Number	0000058393
Date	Jul 15, 2019
Book Page	0000000238/0000000711
Instrument	58393

Lender

Name	COMMERCIAL BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OBION TN
Property Address	503 E MAIN ST, UNION CITY, TN 38261-3408
Document Number	0000052043
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	503 E MAIN ST UNION CITY TN 382613408, UNION CITY, TN 38261-3408

Mortgage

Document Number	0000052043
Date	Feb 15, 2018
Book Page	000211/000340
Instrument	52043

Lender

Name	FIRST CITIZENS NAT'L BK
Type	Bank
Address	DYERSBURG, TN 38025-0370

Agreement

Term	240 Months
Due	Feb 14, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Obion County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Obion County
Municipality	Union City
Unified School District	Union City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$89,500 (+2.4%) Land $4,200 Building $85,300
2023		$87,400 (+54.08%) Land $4,200 Building $83,200	$358,000 (+57.78%) Land $16,800 Building $341,200
2022		$56,725 Land $3,000 Building $53,725	$226,900 Land $12,000 Building $214,900
2018	$1,597.00

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 January 24, 2024 · 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 Claims	5 (1979–1986)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Dec 1986 · river or lake 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	Not rated no burnable land within ember reach

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	UNION CITY WATER DEPT serves 16,180 people · EPA ID TN0000720
Water Source	Groundwater
Last State Inspection	Jun 2022
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 443 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Union City Energy Authority Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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