Rhea County property record for 600 Upper Cove Loop, Dayton, TN 37321
| Property Type | Rural Home |
|---|---|
| Details | 5 ba · 3,237 sqft · built 2021 |
| Lot Size | 65.8 acres (2,868,862 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Nov 2020) |
| Tax Bill | $2,794 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072082 04000 |
| Primary APN | 072082 04000 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,237 sqft Living Area |
| 1st Floor Area | 2,408 sqft |
| Upper Floors Area | 561 sqft |
| Basement Area | 1,853 sqft |
| Finished Basement | 1,853 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,868,862 sqft (65.8 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 2,192 sqft |
| Deck Area | 143 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 2,400 sqft |
| Stable | 1,296 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 600 UPPER COVE LOOP |
|---|---|
| City | DAYTON |
| State | TN |
| Zip | 37321-7321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 4 |
| Legal Subdivision | GATTO SUBDIVISION AT MORENO LANE |
| Jurisdiction | RHEA TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 975300 |
600 Upper Cove Loop, a rural home, is owned and occupied by two individuals who bought it in November 2020.
Source: Rhea County records, as of July 13, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 600 UPPER COVE LOOP, DAYTON, TN 37321-7321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| May 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST BANK |
| Apr 27, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTHEAST BANK |
| Nov 18, 2020 | Correction Deed, Transfer CROSSLAND TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on File |
| Deed Sale | Nov 18, 2020 · Amount on File |
| Prior Sale | Sep 15, 2020 · Amount on File |
| Deed Document Number | 20204677 |
| Deed Book / Page | 488 / 303 |
| Prior Transfer Date | Oct 8, 2020 |
| Prior Transfer Doc | 0000004676 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RHEA TN |
| Property Address | 600 UPPER COVE LOOP, DAYTON, TN 37321-7321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000013656 |
|---|---|
| Date | May 2, 2022 |
| Book Page | T674/39 |
| Instrument | 22013656 |
| Name | SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | KNOXVILLE, TN 37922 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RHEA TN |
| Property Address | 600 UPPER COVE LOOP, DAYTON, TN 37321-7321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 600 UPPER COVE LOOP, DAYTON, TN 37321-7321 |
| Document Number | 0000013575 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 673/596 |
| Instrument | 22013575 |
| Name | SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | DAYTON, TN 37321 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | RHEA TN |
| Recording Date | Nov 18, 2020 |
| Property Address | 600 UPPER COVE LOOP, DAYTON, TN 37321-7321 |
| Document Number | 0000004676 |
| Book / Page | 000488 / 000300 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 4676 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | CROSSLAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 758 UPPER COVE LOOP DAYTON TN 373213323, DAYTON, TN 37321-3323 |
The 2025 property tax bill for 600 Upper Cove Loop was $2,794.
Source: Rhea County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rhea County |
| Unified School District | Rhea County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,794.00 Additional exemption filed | $207,200 Land $23,000 Building $184,200 | |
| 2024 | $1,005,400 Land $268,600 Building $736,800 | ||
| 2022 | $131,500 Land $18,450 Building $113,050 | $526,000 Land $73,800 Building $452,200 | |
| 2021 | $455.00 |
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.
FEMA maps place 600 Upper Cove Loop in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 Policies | 1 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And Flooding |
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 risk around 600 Upper Cove Loop is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 79% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DAYTON WATER DEPT serves 25,054 people · EPA ID TN0000174 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BTC Fiber Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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