554 Island Ford Rd, Lancing, TN 37770 Property Records

Morgan County property record for 554 Island Ford Rd, Lancing, TN 37770

Property Summary

Property Type	Rural Home
Details	2 ba · 2,117 sqft · built 2020
Lot Size	40.3 acres (1,756,339 sqft)
Owner	Trust Name on File
Last Sale	$700,000 (Jan 2022)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`065082 00400`

Property Details

APN / Parcel Number

Primary APN	`065082 00400`
Alternative APN	`082 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,117 sqft Living Area
1st Floor Area	2,117 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,756,339 sqft (40.3 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	480 sqft
Deck Area	64 sqft
Shed	1 Shed
Shed Area	1,040 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	554 ISLAND FORD RD
City	LANCING
State	TN
Zip	37770-2407
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 07, COUNTY AREA: M01
Legal Subdivision	LLOYD AND JANET HEINZE TRACTS
Jurisdiction	MORGAN TN
Township / Civil Division	4
Census Block Group	2
Census Block	2036
Census Tract	110200

Owner

554 Island Ford Rd, a rural home, is owner-occupied and held in a trust since February 2024.

Source: Morgan County records, as of April 16, 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 Record	Trust Name on File
Mailing Address	554 ISLAND FORD RD, LANCING, TN 37770-2407
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF TN
Apr 1, 2024	Intrafamily Transfer, Transfer
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENRICHMENT FCU
Jan 24, 2022	Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT MID AMERICA FLCA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Prior Sale	Jun 10, 1994
Deed Document Number	202278165
Deed Book / Page	283 / 224
Last Transfer Date	Feb 29, 2024
Transfer Doc	000319/408
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN TN
Recording Date	Apr 10, 2026
Property Address	554 ISLAND FORD RD, LANCING, TN 37770-2407
Document Number	0000095310
Book / Page	358 / 657
Instrument Date	Apr 6, 2026
Instrument	202695310
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000095310,
Date	Apr 10, 2026
Book Page	358/657
Instrument	202695310

Lender

Name	FIRST NATIONAL BANK OF TN

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Oct 6, 2027

Interest

Rate	6%
Max Rate	-1%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORGAN TN
Recording Date	Apr 1, 2024
Property Address	554 ISLAND FORD RD, LANCING, TN 37770-2407
Document Number	000319/408
Book / Page	319 / 408
Map Reference	CAB 1 PG 1321
Instrument Date	Feb 29, 2024
Instrument	86837
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	554 ISLAND FORD RD, LANCING, TN 37770-2407

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN TN
Property Address	554 ISLAND FORD RD, LANCING, TN 37770-2407
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000260/477
Date	Nov 12, 2020
Book Page	260/477
Instrument	72957

Lender

Name	ENRICHMENT FCU
Type	Credit Union
Address	OAK RIDGE, TN 37831

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN TN
Recording Date	Jan 24, 2022
Property Address	554 ISLAND FORD RD, LANCING, TN 37770-2407
Document Number	000283/224
Book / Page	283 / 224
Map Reference	CAB 1 PG 1321
Instrument Date	Jan 21, 2022
Instrument	78165
Transaction Type	Transfer
Record Updated	Feb 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 ISLAND FORD RD, LANCING, TN 37770-2407

Mortgage

Document Number	0000078166
Date	Jan 24, 2022
Instrument	78166

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,105.00 (+3.03%) Additional exemption filed	$77,400 (-0.13%) Land $10,100 Building $67,300
2023		$77,500 Land $10,200 Building $67,300
2022	$2,043.00
2021			$390,900 Land $121,700 Building $269,200

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 554 Island Ford Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 18, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 554 Island Ford Rd is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 93% of Tennessee
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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