5225 Upper River Rd NE, Charleston, TN 37310 Property Records

Polk County property record for 5225 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,524 sqft · built 1955
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$275,900 (Jul 2022)
Tax Bill	$1,233 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`070035 00600`

Property Details

APN / Parcel Number

Primary APN	`070035 00600`
Alternative APN	`035 00600`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,524 sqft Living Area
1st Floor Area	1,524 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,034 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	5225 UPPER RIVER RD NE
City	CHARLESTON
State	TN
Zip	37310-6092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Lot Number	2
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2009
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
Mailing Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Warranty Deed, Transfer · FHA Mortgage BANK OF CLEVELAND
Apr 11, 2022	Warranty Deed, Transfer
Jan 29, 2021	Warranty Deed, Transfer · Commercial Mortgage SOUTHEAST BANK
Aug 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 9, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	22002149
Deed Book / Page	WD341 / 261
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jul 18, 2022
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0WD341/261
Book / Page	WD341 / 261
Map Reference	MB 23 PG 51
Instrument Date	Jul 12, 2022
Instrument	22002149
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092

Mortgage

Document Number	0022002150
Date	Jul 18, 2022
Instrument	22002150

Lender

Name	BANK OF CLEVELAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Apr 11, 2022
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0WD339/135
Book / Page	WD339 / 135
Instrument Date	Jan 27, 2022
Instrument	22001143
Transaction Type	Transfer
Record Updated	Feb 10, 2023

Transaction

Amount	Amount Recorded
Tax	$573.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 507, ATHENS, TN 37371-0507

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jan 29, 2021
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0WD328/147
Book / Page	WD328 / 147
Instrument Date	Jan 26, 2021
Instrument	21000297
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 DUNN RD, OLD FORT, TN 37362-7818

Mortgage

Document Number	0021000298
Date	Jan 29, 2021
Instrument	21000298

Lender

Name	SOUTHEAST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK TN
Recording Date	Aug 21, 2020
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0000001937
Book / Page	000324 / 000340
Instrument Date	Aug 20, 2020
Instrument	1937
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 UPPER RIVER RD NE CHARLESTON TN 37310, CHARLESTON, TN 37310

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK TN
Recording Date	Aug 21, 2020
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0000001938
Book / Page	000324 / 000342
Instrument Date	Aug 20, 2020
Instrument	1938
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2252 HIGHWAY 411 OLD FORT TN 373626047, OLD FORT, TN 37362-6047

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 9, 2019
Property Address	5225 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0000002174
Book / Page	000318 / 000275
Instrument Date	Oct 9, 2019
Instrument	2174
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 UPPER RIVER RD NE CHARLESTON TN 37310, CHARLESTON, TN 37310

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	$1,233.00	$73,000 (-) Land $4,925 Building $68,075
2024	$1,233.00	$73,000 (-) Land $4,925 Building $68,075
2023	$1,233.00 (+47.66%)	$73,000 (+119.55%) Land $4,925 Building $68,075	$292,000 (+119.55%) Land $19,700 Building $272,300
2022	$835.00	$33,250 Land $6,150 Building $27,100	$133,000 Land $24,600 Building $108,400

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

Nearby Properties on Upper River Rd NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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