5245 Howardsville Rd, Apison, TN 37302 Property Records

Hamilton County property record for 5245 Howardsville Rd, Apison, TN 37302

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,337 sqft · built 1998
Lot Size	8.23 acres (358,934 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Aug 2022)
Tax Bill	$1,901 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`152 033.01`

Property Details

APN / Parcel Number

Primary APN	`152 033.01`
Alternative APN	`0000087062`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,337 sqft Living Area

Exterior

Year Built	Built 1998
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	358,934 sqft (8.23 acres)
Lot Dimensions	1,074 ft deep x 330 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0000087062
Old Parcel Number	152 033.01
Street Address	5245 HOWARDSVILLE RD
City	APISON
State	TN
Zip	37302-9738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW 1/4 SEC 20
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3019
Census Tract	11204

Owner

Source: Hamilton County records · APN 152 033.01

Assessment roll updated May 20, 2025 · Last verified January 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 File
Mailing Address	5245 HOWARDSVILLE RD, APISON, TN 37302-9738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Jun 15, 2005 · Amount on Record
Deed Document Number	2022082600122
Deed Book / Page	13070 / 733
Record Updated	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 26, 2022
Property Address	5245 HOWARDSVILLE RD, APISON, TN 37302-9738
Document Number	0000000122
Book / Page	13070 / 733
Instrument Date	Aug 25, 2022
Instrument	2022082600122
Transaction Type	Transfer
Record Updated	Jan 01, 2026
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,628.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5245 HOWARDSVILLE RD, APISON, TN 37302-9738

Mortgage

Document Number	0130700736
Date	Aug 26, 2022
Instrument	13070-0736

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 01, 2032
Change Frequency	Annually
Min Rate At Change	2.85%
Max Rate At Change	8.99%
Index	1-Year CMT
Max Rate	8.99%

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,901.00 (+18.07%)	$125,425 (+74.26%)	$501,700 (+74.26%) Land $219,000 Building $282,700
2023	$1,610.00	$71,975	$287,900 Land $122,600 Building $165,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (47065C), updated August 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470650112043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 14 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Twin Lakes Telephone Cooperative Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Electric Power Board of Chattanooga, Tennessee.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	EASTSIDE UTILITY DISTRICT serves 59,612 people
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 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	3 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.