5295 Upper River Rd NE, Charleston, TN 37310 Property Records

Polk County property record for 5295 Upper River Rd NE, Charleston, TN 37310

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,872 sqft · built 1998
Lot Size	0.469 acres (20,473 sqft)
Owner	2 Individual Names on Record
Tax Bill	$620 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070035 02203`

Property Details

APN / Parcel Number

Primary APN	`070035 02203`
Alternative APN	`035 02203`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	448 sqft
Finished Basement	448 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	300 ft deep x 50 ft wide
Terrain	Rolling

Exterior Amenities

Deck Area	1 sqft
Patio Area	36 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5295 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 Subdivision	JEFF GUNNOE
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	2 Individual Names on Record
Mailing Address	5295 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2010
Deed Sale	Mar 22, 2010
Deed Document Number	0000026652
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	5295 UPPER RIVER RD NE, CHARLESTON, TN 37310-6092
Document Number	0000002006
Book / Page	000492 / 000193
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	EQUITITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5295 UPPER RIVER RD NE CHARLESTON TN 373106092, CHARLESTON, TN 37310-6092

Mortgage

Document Number	0000002006
Date	Sep 19, 2017
Book Page	000492/000193
Instrument	2006

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 18, 2032

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	$620.00	$36,700 (-) Land $1,450 Building $35,250
2024	$620.00	$36,700 (-) Land $1,450 Building $35,250
2023	$620.00 (+10.12%)	$36,700 (+63.84%) Land $1,450 Building $35,250	$146,800 (+63.84%) Land $5,800 Building $141,000
2022	$563.00	$22,400 Land $1,650 Building $20,750	$89,600 Land $6,600 Building $83,000

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 May 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Direct 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 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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