517 Stover Rd, Union City, TN 38261 Property Records

Obion County property record for 517 Stover Rd, Union City, TN 38261

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,938 sqft · built 2018
Lot Size	5.42 acres (236,531 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jan 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066061 02305`

Property Details

APN / Parcel Number

Primary APN	`066061 02305`
Alternative APN	`061 02305`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,938 sqft Living Area
1st Floor Area	1,938 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	236,531 sqft (5.42 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	517 STOVER RD
City	UNION CITY
State	TN
Zip	38261-8106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 6
Legal Subdivision	DAVID B KERSAY
Jurisdiction	OBION TN
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	965300

Owner

Source: Obion 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	2 Individual Names on Record
Mailing Address	517 STOVER RD, UNION CITY, TN 38261-8106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK
Jan 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 26, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FIRST CITIZENS NAT'L BK
Dec 29, 2017	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018
Deed Sale	Dec 11, 2018
Deed Document Number	0000228737
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	517 STOVER RD, UNION CITY, TN 38261-8106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 STOVER RD, UNION CITY, TN 38261-8106

Mortgage

Document Number	0000058064
Date	Jun 24, 2019
Book Page	0000000237/0000000349
Instrument	58064

Lender

Name	FIRST CITIZENS BANK

Agreement

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

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OBION TN
Recording Date	Jan 7, 2019
Property Address	517 STOVER RD, UNION CITY, TN 38261-8106
Document Number	0000056030
Book / Page	000228 / 000737
Instrument Date	Dec 11, 2018
Instrument	56030
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	517 STOVER RD UNION CITY TN 38261, UNION CITY, TN 38261

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OBION TN
Recording Date	Apr 26, 2018
Property Address	517 STOVER RD, UNION CITY, TN 38261-8106
Book / Page	000215 / 000291
Instrument Date	Apr 24, 2018
Instrument	52981
Transaction Type	Construction Loan
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	STOVER RD UNION CITY TN 38261, UNION CITY, TN 38261

Mortgage

Document Number	0000052981
Date	Apr 26, 2018
Book Page	000215/000291
Instrument	52981

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Dec 29, 2017
Property Address	517 STOVER RD, UNION CITY, TN 38261-8106
Document Number	0000051551
Book / Page	000209 / 000076
Instrument Date	Dec 27, 2017
Instrument	51551
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.80
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 COTTONWOOD DR UNION CITY TN 382611513, UNION CITY, TN 38261-1513

Mortgage

Document Number	51552
Date	Dec 29, 2017
Book Page	000209/000078
Instrument	51552

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 28, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,218.00 (+751.75%)	$88,200 (-) Land $9,775 Building $78,425
2023		$88,200 (+58.63%) Land $9,775 Building $78,425	$352,800 (+58.63%) Land $39,100 Building $313,700
2022		$55,600 Land $7,525 Building $48,075	$222,400 Land $30,100 Building $192,300
2018	$143.00

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

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 Policies	1 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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stover Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures