Chester County property record for 622 Cloud Cir, Henderson, TN 38340
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,225 sqft · built 1975 |
| Lot Size | 0.44 acres (19,044 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $79,900 (May 2015) |
| Tax Bill | $684 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 012033O A 01700 |
| Primary APN | 012033O A 01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,225 sqft Living Area |
| 1st Floor Area | 1,157 sqft |
| Basement Area | 1,157 sqft |
| Finished Basement | 1,157 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,044 sqft (0.44 acres) |
| Lot Dimensions | 207 ft deep x 92 ft wide |
| Garage Type | Mixed |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 20 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 622 CLOUD CIR |
|---|---|
| City | HENDERSON |
| State | TN |
| Zip | 38340-1202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 06, COUNTY AREA: H50 |
| Jurisdiction | CHESTER TN |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 970200 |
Source: Chester County records, as of July 20, 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 | 622 CLOUD CIR, HENDERSON, TN 38340-1202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NB OF MIDDLE TENNESSEE |
| Dec 1, 2025 | Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2015 · Amount on Record |
| Deed Sale | May 15, 2015 · Amount on Record |
| Prior Sale | Jun 5, 2009 · Amount on Record |
| Deed Document Number | 201551310 |
| Deed Book / Page | 396 / 671 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER TN |
| Property Address | 622 CLOUD CIR, HENDERSON, TN 38340-1202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0004800174 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 480/174 |
| Instrument | 68263 |
| Name | FIRST NB OF MIDDLE TENNESSEE |
|---|---|
| Type | Bank |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER TN |
| Property Address | 622 CLOUD CIR, HENDERSON, TN 38340-1202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 622 CLOUD CIR, HENDERSON, TN 38340-1202 |
| Document Number | 0005400249 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 540/249 |
| Instrument | 80506 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, TN 38340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Nov 18, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Chester County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Chester County |
| Municipality | Henderson City |
| Unified School District | Chester County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $684.00 | $33,625 (-) | $134,500 (-) Land $12,900 Building $121,600 |
| 2025 | $684.00 (+20.42%) | $33,625 (+47.16%) | $134,500 (+47.16%) Land $12,900 Building $121,600 |
| 2023 | $568.00 | $22,850 | $91,400 Land $9,800 Building $81,600 |
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.
Source: FEMA National Flood Hazard Layer, effective May 4, 2009 · 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 |
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 | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% 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 | HENDERSON WATER DEPT serves 8,924 people · EPA ID TN0000293 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures