McNairy County property record for 616 Unity Church Rd, Ramer, TN 38367
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,568 sqft · built 1992 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $961 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Feb 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055120 03909 |
| Primary APN | 055120 03909 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,568 sqft Living Area |
| 1st Floor Area | 2,568 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 217,800 sqft (5 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 372 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 616 UNITY CHURCH RD |
|---|---|
| City | RAMER |
| State | TN |
| Zip | 38367-5156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 5 |
| Legal Subdivision | JAMES A MARTIN |
| Jurisdiction | MCNAIRY TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 930600 |
Source: McNairy County records, as of January 26, 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 Record |
|---|---|
| Mailing Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Feb 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Sep 7, 2018 | Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK |
| Aug 23, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2018 |
| Deed Sale | Aug 23, 2018 |
| Prior Sale | Jan 31, 2014 |
| Deed Document Number | 108605 |
| Deed Book / Page | 247 / 535 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000014458 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 14/458 |
| Instrument | 126939 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000042380 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 4/2380 |
| Instrument | 119414 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Document Number | 0000291353 |
|---|---|
| Date | Feb 10, 2025 |
| Book Page | 29/1353 |
| Instrument | 138963 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | 2000 MIDLANTIC DR STE 410A, MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 42380 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 4/2380 |
| Instrument | 119414 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Document Number | 4272047 |
| Instrument Date | Sep 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 616 UNITY CHURCH RD RAMER TN 383675156, RAMER, TN 38367-5156 |
| Document Number | 4272047 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 000427/002047 |
| Instrument | 108812 |
| Name | CENTRAL BK |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 12, 2023 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Recording Date | Aug 23, 2018 |
| Property Address | 616 UNITY CHURCH RD, RAMER, TN 38367-5156 |
| Document Number | 247535 |
| Book / Page | 000247 / 000535 |
| Instrument Date | Aug 22, 2018 |
| Instrument | 108605 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 616 UNITY CHURCH RD RAMER TN 383675156, RAMER, TN 38367-5156 |
Source: McNairy County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | McNairy County |
| Unified School District | McNairy County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $961.00 | $60,950 (-) Land $3,375 Building $57,575 | |
| 2024 | $961.00 | $60,950 (-) Land $3,375 Building $57,575 | |
| 2023 | $60,950 Land $3,375 Building $57,575 | ||
| 2022 | $961.00 | $243,800 Land $13,500 Building $230,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 2, 2008 · 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 | 2 in force |
| Nearby Flood Claims | 2 (2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2014 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · above 70% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EASTVIEW UTILITY DISTRICT serves 2,206 people · EPA ID TN0000570 |
|---|---|
| Water Source | Purchased groundwater from SELMER WATER SYSTEM |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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