Montgomery County property record for 640 Durham Rd, Adams, TN 37010
| Property Type | Single Family Home |
|---|---|
| Details | 4,469 sqft · built 2018 |
| Lot Size | 5.24 acres (228,254 sqft) |
| Owner | Individual Name on File |
| Last Sale | $622,500 (Jul 2019) |
| Tax Bill | $5,287 (2025) |
| Deeds & Mortgages | Aug 2022 Second Mortgage May 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 83 62.00 |
| Primary APN | 83 62.00 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,469 sqft Living Area |
| Gross Area | 5,381 sqft |
| 1st Floor Area | 2,751 sqft |
| Upper Floors Area | 1,718 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 228,254 sqft (5.24 acres) |
| Garage Type | Attached |
| Garage Area | 958 sqft |
| Driveway | Driveway |
| Driveway Area | 5,472 sqft |
| Pool Area | 684 sqft |
| Porch | Slab |
| Porch Area | 834 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 640 DURHAM RD |
|---|---|
| City | ADAMS |
| State | TN |
| Zip | 37010-9007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | ADD CHG PER TRUSTEE T-12 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 15 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 101807 |
640 Durham Rd is owned and occupied by an individual who bought it in July 2019.
Source: Montgomery County records, as of May 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FORTERA CREDIT UNION |
| May 26, 2021 | Deed of Trust, Mortgage · VA Mortgage RELIANT BANK |
| Jul 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FORTERA CU |
| Jul 18, 2019 | Warranty Deed, Transfer · VA Mortgage FIRST ADVANTAGE BANK |
| Sep 6, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage CUMBERLAND BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2019 · Amount on File |
| Deed Sale | Jul 18, 2019 · Amount on File |
| Prior Sale | Dec 6, 2016 · Amount on File |
| Deed Document Number | 20191216006 |
| Deed Book / Page | 1896 / 1561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02246/2255 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | 2246/2255 |
| Instrument | 1394674 |
| Name | FORTERA CREDIT UNION |
|---|---|
| Address | CLARKSVILLE, TN 37040 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 182 Months |
| Due | Oct 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2096/1367 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 2096/1367 |
| Instrument | 1318300 |
| Name | RELIANT BANK |
|---|---|
| Type | Bank |
| Address | BRENTWOOD, TN 37027 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001174173 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 1827/312 |
| Instrument | 1174173 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Document Number | 0001248952 |
| Instrument Date | Mar 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 640 DURHAM RD ADAMS TN 370109007, ADAMS, TN 37010-9007 |
| Document Number | 0001248952 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 001956/001534 |
| Instrument | 1248952 |
| Name | FORTERA CU |
|---|---|
| Address | CLARKSVILLE, TN 37040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 22, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jul 18, 2019 |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Document Number | 1896/1561 |
| Book / Page | 1896 / 1561 |
| Instrument Date | Jul 9, 2019 |
| Instrument | 1216006 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Document Number | 0001216007 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 0000001896/0000001565 |
| Instrument | 1216007 |
| Name | FIRST ADVANTAGE BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Sep 6, 2017 |
| Property Address | 640 DURHAM RD, ADAMS, TN 37010-9007 |
| Book / Page | 001764 / 000346 |
| Instrument Date | Sep 5, 2017 |
| Instrument | 1135721 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0001135721 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 001764/000346 |
| Instrument | 1135721 |
| Name | CUMBERLAND BK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 5, 2018 |
The 2025 property tax bill for 640 Durham Rd was $5,287.
Source: Montgomery County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,287.00 | $251,775 (-) | $1,007,100 (-) Land $173,800 Building $833,300 |
| 2024 | $5,287.00 (+6.02%) | $251,775 (+50.94%) | $1,007,100 Land $173,800 Building $833,300 |
| 2023 | $4,987.00 | $166,800 (-) | |
| 2022 | $4,987.00 | $166,800 | $667,200 Land $96,800 Building $570,400 |
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 640 Durham Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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.
Wildfire risk around 640 Durham Rd is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| CDE Lightband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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