5220 Upper River Rd NE, Charleston, TN 37310 Property Records

Polk County property record for 5220 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	1 ba · 768 sqft · built 1963
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jun 2026)
Tax Bill	$324 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035-005.00`

Property Details

APN / Parcel Number

Primary APN	`035-005.00`
Alternative APNs	`0103503500500` `070035 00500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	264 sqft
Carport	Carport
Carport Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	80 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	5220 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6091
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100X150
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2010
Census Tract	950203

Owner

Source: Polk County records, as of June 17, 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	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · FHA Mortgage MORTGAGE INVESTORS GROUP
Nov 19, 2025	Warranty Deed, Transfer · Commercial Mortgage NAF FUNDING I GP
Oct 8, 2021	Intrafamily Transfer, Transfer
Jun 16, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Nov 19, 2025 · Amount on Record
Deed Document Number	20261731
Deed Book / Page	6 / 2210
Prior Transfer Date	Jun 16, 2021
Prior Transfer Doc	0000001829
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jun 9, 2026
Property Address	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091
Document Number	0000001731
Book / Page	6 / 2210
Instrument Date	Jun 2, 2026
Instrument	20261731
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,003.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091

Mortgage

Document Number	0000001732,
Date	Jun 9, 2026
Book Page	6/2213
Instrument	20261732

Lender

Name	MORTGAGE INVESTORS GROUP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Nov 19, 2025
Property Address	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091
Document Number	00003/1443
Book / Page	3 / 1443
Instrument Date	Nov 13, 2025
Instrument	25002875
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LANCE CIR, BLUFF CITY, TN 37618-1175

Mortgage

Document Number	0025002876
Date	Nov 19, 2025
Instrument	25002876

Lender

Name	NAF FUNDING I GP

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK TN
Recording Date	Oct 8, 2021
Property Address	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091
Document Number	0WD334/209
Book / Page	WD334 / 209
Instrument Date	Oct 8, 2021
Instrument	21002904
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 DEER RIDGE TRL, OCOEE, TN 37361-3814

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK TN
Recording Date	Jun 16, 2021
Property Address	5220 UPPER RIVER RD NE, CHARLESTON, TN 37310-6091
Document Number	0WD331/376
Book / Page	WD331 / 376
Instrument Date	Jun 16, 2021
Instrument	21001829
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 GROVE RD, BENTON, TN 37307-4843

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 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	$324.00	$19,200 (-) Land $1,850 Building $17,350	$76,800 (-) Land $7,400 Building $69,400
2024	$324.00	$19,200 (-) Land $1,850 Building $17,350
2023	$324.00 (+31.71%)	$19,200 (+96.42%) Land $1,850 Building $17,350	$76,800 (+96.42%) Land $7,400 Building $69,400
2022	$246.00	$9,775 Land $1,850 Building $7,925	$39,100 Land $7,400 Building $31,700

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 45% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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