Marion County property record for 640 Richards Ln, Whitwell, TN 37397
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,742 sqft · built 2018 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,000 (Dec 2018) |
| Tax Bill | $976 (2022) |
| Deeds & Mortgages | Sep 2022 Line of Credit Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 058057 01010 |
| Primary APN | 058057 01010 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,742 sqft Living Area |
| 1st Floor Area | 1,742 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,640 sqft (0.91 acres) |
| Lot Dimensions | 245 ft deep x 162 ft wide |
| Garage Type | Finished |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 80 sqft |
| Utility Building | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 640 RICHARDS LN |
|---|---|
| City | WHITWELL |
| State | TN |
| Zip | 37397-7611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:2 DIST:03 SUBD:LAWSON ESTATES MAP REF:057 |
| Legal Subdivision | LAWSON ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | MARION TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 50101 |
640 Richards Ln is owned and occupied by two individuals who bought it in December 2018.
Source: Marion County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 RICHARDS LN, WHITWELL, TN 37397-7611 |
| 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 |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Mar 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Sep 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Dec 20, 2018 | Warranty Deed, Transfer · FHA Mortgage TJC MTG |
| Jun 22, 2018 | Loan Modification, Mortgage CITIZENS TRI-CNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2018 · Amount on File |
| Deed Sale | Dec 20, 2018 · Amount on File |
| Deed Document Number | 18004956 |
| Deed Book / Page | 510 / 0091 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION TN |
| Property Address | 640 RICHARDS LN, WHITWELL, TN 37397-7611 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 640 RICHARD LN, WHITWELL, TN 37397-7611 |
| Document Number | 0005671473 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 567/1473 |
| Instrument | 22009648 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION TN |
| Property Address | 640 RICHARDS LN, WHITWELL, TN 37397-7611 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Title Company | FORT SETTLEMENT SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000539972 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 539/972 |
| Instrument | 21001272 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION TN |
| Property Address | 640 RICHARD LN, WHITWELL, TN 37397-7611 |
| Document Number | 519982 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 640 RICHARD LN WHITWELL TN 373977611, WHITWELL, TN 37397-7611 |
| Document Number | 519982 |
|---|---|
| Date | Oct 8, 2019 |
| Book Page | 000519/000982 |
| Instrument | 3894 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 7, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARION TN |
| Recording Date | Dec 20, 2018 |
| Property Address | 640 RICHARD LN, WHITWELL, TN 37397-7611 |
| Document Number | 51091 |
| Book / Page | 000510 / 000091 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 4956 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $688.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 640 RICHARD LN WHITWELL TN 37397, WHITWELL, TN 37397 |
| Document Number | 51093 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 000510/000093 |
| Instrument | 4957 |
| Name | TJC MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35243 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 19, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MARION TN |
| Property Address | 640 RICHARD LN, WHITWELL, TN 37397-7611 |
| Document Number | 504219 |
| Instrument Date | Jun 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 137 OLD CHATTANOOGA HWY WHITWELL TN 373977603, WHITWELL, TN 37397-7603 |
| Document Number | 504219 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 000504/000219 |
| Instrument | 2573 |
| Name | CITIZENS TRI-CNTY BK |
|---|---|
| Type | Bank |
| Address | WHITWELL, TN 37397 |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Jul 4, 2019 |
Source: Marion County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Marion County |
| Municipality | Powells Crossroads Town |
| Unified School District | Marion County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $55,450 Land $3,450 Building $52,000 | ||
| 2023 | $55,450 Land $3,450 Building $52,000 | ||
| 2022 | $976.00 | ||
| 2021 | $221,800 Land $13,800 Building $208,000 |
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 Richards Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 640 Richards Ln is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 92% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.3% 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 | TN AMERICAN SEQUATCHIE VALLEY private · serves 8,001 people · EPA ID TN0000749 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| SVEConnect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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