56 Bluff Rd, Saint Joseph, TN 38481 Property Records

Lawrence County property record for 56 Bluff Rd, Saint Joseph, TN 38481

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,758 sqft · built 1956
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,900 (Feb 2022)
Tax Bill	$1,071 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050156 04400`

Property Details

APN / Parcel Number

Primary APN	`050156 04400`
Alternative APN	`156 04400`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1977
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	56 BLUFF RD
City	SAINT JOSEPH
State	TN
Zip	38481-5029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	1
Census Block Group	2
Census Block	2013
Census Tract	960600

Owner

Source: Lawrence County records, as of May 12, 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	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PULASKI
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage WAYNE CNTY NAT'L BK
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WAYNE CNTY NAT'L BK
Dec 8, 2017	Warranty Deed, Transfer
Oct 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Dec 8, 2017 · Amount on Record
Deed Document Number	20221122
Deed Book / Page	665 / 797
Prior Transfer Date	Nov 29, 2017
Prior Transfer Doc	0000522410
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Feb 16, 2022
Property Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Document Number	0000665797
Book / Page	665 / 797
Instrument Date	Feb 15, 2022
Instrument	22001122
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$665.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029

Mortgage

Document Number	0022001123
Date	Feb 16, 2022
Instrument	22001123

Lender

Name	FIRST NATIONAL BANK OF PULASKI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Document Number	579994
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	579994
Date	Dec 13, 2019
Book Page	000579/000994
Instrument	6478

Lender

Name	WAYNE CNTY NAT'L BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2034

Interest

Rate Type	Adjustable Rate
Rate	6%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Document Number	549527
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	549527
Date	Nov 26, 2018
Book Page	000549/000527
Instrument	6050

Lender

Name	WAYNE CNTY NAT'L BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 25, 2033

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 8, 2017
Property Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Document Number	0000522410
Book / Page	522 / 410
Instrument Date	Nov 29, 2017
Instrument	17006155
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount Recorded
Tax	$151.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 MOUNT NEBO RD, LORETTO, TN 38469-3013

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Oct 5, 2017
Property Address	56 BLUFF RD, SAINT JOSEPH, TN 38481-5029
Document Number	51860
Book / Page	000518 / 000060
Instrument Date	Oct 5, 2017
Instrument	5102
Transaction Type	Transfer
Record Updated	Oct 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	170 THORNTON LN LORETTO TN 384693015, LORETTO, TN 38469-3015

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	St. Joseph City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,250 (-) Land $2,175 Building $41,075
2024	$1,071.00
2023	$1,071.00 (+0.94%)	$43,250 (+0.87%) Land $2,175 Building $41,075
2022	$1,061.00	$42,875 Land $2,175 Building $40,700	$173,000 Land $8,700 Building $164,300

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

Source: FEMA National Flood Hazard Layer, effective November 17, 2016 · 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
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2000 · rainfall accumulation

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	ST JOSEPH WATER SYSTEM serves 1,533 people · EPA ID TN0000604
Water Source	Groundwater influenced by surface water
Last State Inspection	Dec 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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