520 Young Rd, Waverly, TN 37185 Property Records

Humphreys County property record for 520 Young Rd, Waverly, TN 37185

Property Summary

Property TypeRural Home
Details3 ba · 2,312 sqft · built 2020
Lot Size18.6 acres (811,087 sqft)
Owner2 Individual Names on File
Last Sale$565,000 (Oct 2025)
Tax Bill$1,866 (2025)
Deeds & MortgagesMay 2021 Mortgage
Apr 2023 Line of Credit
+ 4 more
Flood ZoneZone X (minimal risk)
APN043073 00201

Property Details

APN / Parcel Number

Primary APN043073 00201
Alternative APN
  • 073 00201

Interior

Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,312 sqft Living Area
1st Floor Area2,312 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialSiding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area811,087 sqft (18.6 acres)
TerrainRolling
PorchSlab
Patio Area648 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address520 YOUNG RD
CityWAVERLY
StateTN
Zip37185-2908
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionDISTRICT: 02, COUNTY AREA: W99
JurisdictionHUMPHREYS TN
Township / Civil Division5
Census Block Group5
Census Block5026
Census Tract130300

Owner

520 Young Rd, a rural home, is owned and occupied by two individuals who bought it in October 2025.

Source: Humphreys County records, as of October 20, 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 Record2 Individual Names on File
Mailing Address520 YOUNG RD, WAVERLY, TN 37185-2908
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
COMMERCIAL BANK & TRUST COMPANY
Apr 18, 2023Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Oct 16, 2025Warranty Deed, Transfer · VA Mortgage
CMG MORTGAGE INC
Apr 29, 2020Deed of Trust, Mortgage · Line of Credit
COMMERCIAL BANK & TRUST COMPANY
Sep 4, 2020Loan Modification, Mortgage
COMMERCIAL BK
Oct 18, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 16, 2025 · Amount on File
Deed SaleOct 16, 2025 · Amount on File
Prior SaleOct 18, 2018 · Amount on File
Deed Document Number20253446
Deed Book / Page9 / 2690
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHUMPHREYS TN
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Transaction TypeMortgage
Record UpdatedJan 28, 2026
Title CompanyUNKNOWN, TITLE CENTER OF SOUTH LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001772
DateMay 21, 2021
Book Page238/2027
Instrument21001772
Lender
NameCOMMERCIAL BANK & TRUST COMPANY
TypeBank
AddressPARIS, TN 38242
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueJun 1, 2036

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHUMPHREYS TN
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Transaction TypeMortgage
Record UpdatedJan 28, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 YOUNG RD, WAVERLY, TN 37185-2908

Mortgage

Document Number0000001054
DateApr 18, 2023
Book PageTD245/2103
Instrument23001054
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeLine of Credit
AmountAmount on Record
Term241 Months
DueMay 1, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHUMPHREYS TN
Recording DateOct 16, 2025
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Document Number0000003446
Book / Page9 / 2690
Instrument DateOct 16, 2025
Instrument25003446
Transaction TypeTransfer
Record UpdatedJan 28, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,090.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 YOUNG RD, WAVERLY, TN 37185-2908

Mortgage

Document Number0000003447
DateOct 16, 2025
Instrument25003447
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHUMPHREYS TN
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Transaction TypeMortgage
Record UpdatedMar 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001240
DateApr 29, 2020
Book Page234/1230
Instrument20001240
Lender
NameCOMMERCIAL BANK & TRUST COMPANY
TypeBank
AddressPARIS, TN 38242
Agreement
TypeLine of Credit
AmountAmount on Record
Term12 Months
DueApr 27, 2021

September 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHUMPHREYS TN
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Document Number0000002609
Instrument DateSep 4, 2020
Transaction TypeMortgage
Record UpdatedOct 21, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address209 FAIRFIELD DR WAVERLY TN 371851875, WAVERLY, TN 37185-1875

Mortgage

Document Number0000002609
DateSep 11, 2020
Book Page000235/002339
Instrument2609
Lender
NameCOMMERCIAL BK
TypeBank
AddressPARIS, TN 38242
Agreement
AmountAmount on Record
Term12 Months
DueSep 10, 2021

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHUMPHREYS TN
Recording DateOct 18, 2018
Property Address520 YOUNG RD, WAVERLY, TN 37185-2908
Document Number0000003009
Book / Page000206 / 002467
Instrument DateOct 18, 2018
Instrument3009
Transaction TypeTransfer
Record UpdatedOct 29, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$129.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address209 FAIRFIELD DR WAVERLY TN 371851875, WAVERLY, TN 37185-1875

Tax Assessment & Valuation

The 2025 property tax bill for 520 Young Rd was $1,866.

Source: Humphreys County assessment roll, as of January 27, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHumphreys County
Unified School DistrictHumphreys County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,866.00$101,425 (-) Land $13,975 Building $87,450
2024$1,866.00$101,425 (-) Land $13,975 Building $87,450
2023$1,866.00 (+21.17%)$101,425 (+43.56%) Land $13,975 Building $87,450$405,700 (+43.56%) Land $55,900 Building $349,800
2022$1,540.00$70,650 Land $11,625 Building $59,025$282,600 Land $46,500 Building $236,100

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.

Flood

FEMA maps place 520 Young Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2010)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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

Wildfire risk around 520 Young Rd is low, with a 0.04% 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 Likelihood0.04% 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 SystemWAVERLY WATER DEPARTMENT
serves 9,270 people · EPA ID TN0000733
Water SourceSurface water
Last State InspectionSep 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax Down / Up (Mbps)
Meriwether Lewis Connect
Fiber
1,000 / 1,000
GigFire
Fiber · Fixed Wireless
1,000 / 1,000

May also be available: Verizon, Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Young Rd

Nearby Streets

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