6438 Mill Stream Dr, Harrison, TN 37341 Property Records

Hamilton County property record for 6438 Mill Stream Dr, Harrison, TN 37341

Property Summary

Property Type	Rural Home
Details	3 ba · 1,880 sqft · built 1973
Lot Size	0.298 acres (13,000 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Mar 2021)
Tax Bill	$1,073 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112O B 054`

Property Details

APN / Parcel Number

Primary APN	`112O B 054`
Alternative APN	`0000040715`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,880 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000040715
Street Address	6438 MILL STREAM DR
City	HARRISON
State	TN
Zip	37341-5937
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	3150 11 001& LT 119 RIVER OAKS UNIT 4 PB 27 PG 260
Legal Subdivision	RIVER OAKS UNIT 4
Legal Lot Number	119
Legal Unit	4
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	2
Census Block	2018
Census Tract	11413

Owner

6438 Mill Stream Dr, a rural home, is owned by an individual who bought it in March 2021.

Source: Hamilton County records, as of December 31, 2025

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9132 DALLAS BAY RD, SODDY DAISY, TN 37379-3440
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021 · Amount on File
Deed Sale	Mar 11, 2021 · Amount on File
Prior Sale	Feb 8, 2016 · Amount on File
Deed Document Number	2021031100190
Deed Book / Page	12394 / 613
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 11, 2021
Property Address	6438 MILL STREAM DR, HARRISON, TN 37341-5937
Document Number	0000000190
Book / Page	12394 / 613
Map Reference	MB 27 PG 260
Instrument Date	Mar 9, 2021
Instrument	2021031100190
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	REALTY TITLE INC, REALTY T&E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9132 DALLAS BAY RD, SODDY DAISY, TN 37379-3440

Mortgage

Document Number	0012394616
Date	Mar 11, 2021
Instrument	12394/616

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 6438 Mill Stream Dr was $1,073, up 13.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,073.00 (+13.07%)	$70,850 (+66.9%)	$283,400 (+66.9%) Land $55,000 Building $228,400
2024	$949.00 (-0.94%)	$42,450 (-)	$169,800 (-) Land $45,000 Building $124,800
2023	$958.00	$42,450	$169,800 Land $45,000 Building $124,800

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 6438 Mill Stream Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · 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	5 in force
Nearby Flood Claims	7 (2003–2019)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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 6438 Mill Stream Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 53% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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 System	EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20