620 Rustic Valley Dr, Waverly, TN 37185 Property Records

Humphreys County property record for 620 Rustic Valley Dr, Waverly, TN 37185

Property Summary

Property Type	Rural Home
Details	2 ba · 2,029 sqft · built 2022
Lot Size	37.6 acres (1,640,034 sqft)
Owner	Individual Name on File
Last Sale	$37,000 (Jun 2026)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`043147 03436`

Property Details

APN / Parcel Number

Primary APN	`043147 03436`
Alternative APN	`147 03436`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,029 sqft Living Area
1st Floor Area	1,549 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,640,034 sqft (37.6 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	1,365 sqft
Carport	Carport
Carport Area	1,365 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Patio Area	288 sqft
Shed	1 Shed
Shed Area	160 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	620 RUSTIC VALLEY DR
City	WAVERLY
State	TN
Zip	37185-1320
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	RIVERWIND PHASE III
Legal Lot Number	36 40-4
Jurisdiction	HUMPHREYS TN
Township / Civil Division	5
Census Block Group	2
Census Block	2197
Census Tract	130400

Owner

Source: Humphreys County records · APN 043147 03436

Assessment roll updated January 27, 2026 · Last verified July 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 File
Mailing Address	165 WADE CV, WAVERLY, TN 37185
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 26, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
May 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage BARTLETT MORTGAGE INC
Oct 20, 2023	Warranty Deed, Transfer · Conventional Mortgage APEX BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	May 21, 2025 · Amount on Record
Deed Document Number	20262028
Deed Book / Page	14 / 598
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUMPHREYS TN
Recording Date	Jun 22, 2026
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Document Number	0000002028
Book / Page	14 / 598
Instrument Date	Jun 22, 2026
Instrument	20262028
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$13,826.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 WADE CV, WAVERLY, TN 37185

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Recording Date	Jun 17, 2026
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Document Number	0000001994
Book / Page	14 / 419
Instrument Date	Jun 11, 2026
Instrument	20261994
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320

Mortgage

Document Number	0000001994,
Date	Jun 17, 2026
Book Page	14/419
Instrument	20261994

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 RUSTIC VALLEY DR, WAVERLY, TN 37185-1100

Mortgage

Document Number	0000002803
Date	Aug 26, 2022
Book Page	TD243/2710
Instrument	22002803

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	GALLATIN, TN 37066

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 19, 2023

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 RUSTIC VALLEY DR, WAVERLY, TN 37185-1100

Mortgage

Document Number	0000002532
Date	Sep 21, 2023
Book Page	TD246/2880
Instrument	23002532

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	NASHVILLE, TN 37212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 12, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3147 SYCAMORE VIEW RD, BARTLETT, TN 38134-3449

Mortgage

Document Number	0000001652
Date	May 21, 2025
Book Page	7/440
Instrument	25001652

Lender

Name	BARTLETT MORTGAGE INC
Type	Mortgage Company
Address	2860 STAGE VILLAGE CV, BARTLETT, TN 38134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HUMPHREYS TN
Recording Date	Oct 20, 2023
Property Address	620 RUSTIC VALLEY DR, WAVERLY, TN 37185-1320
Document Number	0000002845
Book / Page	WD214 / 1523
Map Reference	MB B PG 293
Instrument Date	Oct 19, 2023
Instrument	23002845
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	THRIVE TITLE LLC, THREE RIVERS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 WEED LN, WAVERLY, TN 37185-2947

Mortgage

Document Number	0000002846
Date	Oct 20, 2023
Instrument	23002846

Lender

Name	APEX BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Tax Assessment & Valuation

Source: Humphreys County records · Assessment roll updated January 27, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,970.00 (+78.27%)	$215,775 (+78.29%) Land $22,475 Building $193,300
2024	$2,227.00 (-37.02%)	$121,025 (-) Land $24,000 Building $97,025
2023	$3,536.00 (+652.34%)	$121,025 (+460.3%) Land $24,000 Building $97,025	$863,100 (+898.96%) Land $89,900 Building $773,200
2022	$470.00	$21,600 Land $21,600	$86,400 Land $86,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Humphreys County (47085C), updated September 25, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470851304002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2023–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 15 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Meriwether Lewis Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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