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643 Beech Log Rd, Watertown, TN 37184 Property Records

Wilson County property record for 643 Beech Log Rd, Watertown, TN 37184

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,712 sqft · built 2003
Lot Size5.01 acres (218,236 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Oct 2021)
Tax Bill$1,178 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
May 2019 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN095127 09416

Property Details

APN / Parcel Number

Primary APN095127 09416
Alternative APN
  • 127 09416

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,712 sqft Living Area
1st Floor Area1,712 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialSiding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area218,236 sqft (5.01 acres)
TerrainRolling
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area96 sqft
Deck Area120 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address643 BEECH LOG RD
CityWATERTOWN
StateTN
Zip37184-4209
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 16, COUNTY AREA: W99
Legal SubdivisionDEBRA BASS WINFREE
Legal Lot Number12
JurisdictionWILSON TN
Township / Civil Division12
Census Block Group2
Census Block2035
Census Tract31000

Owner

643 Beech Log Rd is owned and occupied by two individuals who bought it in October 2021.

Source: Wilson County records, as of March 5, 2026

Owner of Record2 Individual Names on File
Co-ownerCo-owner on File
Mailing Address643 BEECH LOG RD, WATERTOWN, TN 37184-4209
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2021Warranty Deed, Transfer · Conventional Mortgage
LEGACY HOME LOANS LLC
May 3, 2019Deed of Trust, Mortgage · FHA Mortgage
RELIANCE FIRST CAP
Oct 4, 2017Quit Claim Deed, Transfer · FHA Mortgage
RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleOct 20, 2021 · Amount on File
Deed SaleOct 20, 2021 · Amount on File
Prior SaleOct 4, 2017
Deed Document Number21036814
Deed Book / Page2125 / 393
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWILSON TN
Recording DateOct 20, 2021
Property Address643 BEECH LOG RD, WATERTOWN, TN 37184-4209
Document Number002125/393
Book / Page2125 / 393
Map ReferenceMB 24 PG 362
Instrument DateOct 19, 2021
Instrument21036814
Transaction TypeTransfer
Record UpdatedSep 1, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,202.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address643 BEECH LOG RD, WATERTOWN, TN 37184-4209

Mortgage

Document Number0021036815
DateOct 20, 2021
Instrument21036815
Lender
NameLEGACY HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWILSON TN
Property Address643 BEECH LOG RD, WATERTOWN, TN 37184-4209
Document Number0000670882
Instrument DateMay 3, 2019
Transaction TypeMortgage
Record UpdatedMay 21, 2019
Title CompanyAMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address643 BEECH LOG RD WATERTOWN TN 371844209, WATERTOWN, TN 37184-4209

Mortgage

Document Number0000670882
DateMay 10, 2019
Book Page001880/000734
Instrument670882
Lender
NameRELIANCE FIRST CAP
TypeFunding / Finance Company
AddressMELVILLE, NY 11747
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMay 9, 2049

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWILSON TN
Recording DateOct 4, 2017
Property Address643 BEECH LOG RD, WATERTOWN, TN 37184-4209
Document Number0000623845
Book / Page001785 / 001674
Instrument DateSep 25, 2017
Instrument623845
Transaction TypeTransfer
Record UpdatedOct 12, 2017
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address643 BEECH LOG RD WATERTOWN TN 371844209, WATERTOWN, TN 37184-4209

Mortgage

Document Number623846
DateOct 4, 2017
Book Page001785/001679
Instrument623846
Lender
NameRELIANCE FIRST CAP
TypeFunding / Finance Company
AddressMELVILLE, NY 11747
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 643 Beech Log Rd was $1,178.

Source: Wilson County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyWilson County
Unified School DistrictWilson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,178.00$61,750 Land $18,325 Building $43,425
2023$61,750 (-) Land $18,325 Building $43,425
2022$1,179.00$61,750 Land $18,325 Building $43,425
2021$247,000 Land $73,300 Building $173,700

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.

Flood

FEMA maps place 643 Beech Log Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims6 (1999–2011)
Claims Outside the SFHA5 of 6
Most Recent ClaimApr 2011 · rainfall accumulation
Claims by Event
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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

Wildfire risk around 643 Beech Log 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 RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWILSON CO WATER & WASTEWATER
serves 22,680 people · EPA ID TN0000790
Water SourcePurchased surface water from several systems
Last State InspectionSep 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
DeKalb Telephone Cooperative
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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