645 Smith Mountain Rd, Dunlap, TN 37327 Property Records

Sequatchie County property record for 645 Smith Mountain Rd, Dunlap, TN 37327

Property Summary

Property Type	Rural Home
Details	3 ba · 1,608 sqft · built 2006
Lot Size	33 acres (1,441,400 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jul 2018)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`077030 04100`

Property Details

APN / Parcel Number

Primary APN	`077030 04100`
Alternative APN	`030 04100`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,608 sqft Living Area
1st Floor Area	1,008 sqft
Upper Floors Area	600 sqft
Interior Walls	Wood
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,441,400 sqft (33 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	1,056 sqft
Deck Area	48 sqft
Patio Area	48 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	645 SMITH MOUNTAIN RD
City	DUNLAP
State	TN
Zip	37327-4870
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 1
Legal Subdivision	THOMPSON
Jurisdiction	SEQUATCHIE TN
Township / Civil Division	2
Census Block Group	1
Census Block	1008
Census Tract	60103

Owner

Source: Sequatchie County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	645 SMITH MOUNTAIN RD, DUNLAP, TN 37327-4870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage BENCHMARK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	Aug 22, 2016 · Amount on Record
Deed Document Number	0000371807
Deed Book / Page	371 / 807
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	645 SMITH MOUNTAIN RD, DUNLAP, TN 37327-4870
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000713
Date	Mar 7, 2022
Book Page	437/122
Instrument	22000713

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	645 SMITH MOUNTAIN RD, DUNLAP, TN 37327-4870
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002961
Date	Oct 13, 2022
Book Page	449/25
Instrument	22002961

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	645 SMITH MOUNTAIN RD, DUNLAP, TN 37327-4870
Document Number	0000003080
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 SMITH MOUNTAIN RD DUNLAP TN 373274870, DUNLAP, TN 37327-4870

Mortgage

Document Number	0000003080
Date	Dec 8, 2020
Book Page	000408/000815
Instrument	3080

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Jul 31, 2018
Property Address	645 SMITH MOUNTAIN RD, DUNLAP, TN 37327-4870
Document Number	0000001746
Book / Page	000371 / 000807
Instrument Date	Jul 31, 2018
Instrument	1746
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 SMITH MOUNTAIN RD DUNLAP TN 373274870, DUNLAP, TN 37327-4870
Investor	Possibly a Property Investor

Mortgage

Document Number	1747
Date	Jul 31, 2018
Book Page	000371/000810
Instrument	1747

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,942.00	$105,725 (-) Land $28,975 Building $76,750
2023	$1,942.00 (+28.27%)	$105,725 (+70.52%) Land $28,975 Building $76,750	$422,900 (+70.52%) Land $115,900 Building $307,000
2022	$1,514.00	$62,000 Land $17,750 Building $44,250	$248,000 Land $71,000 Building $177,000

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	May 2024 · rainfall accumulation

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

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

Wildfire Risk	Moderate above 64% of the US · above 87% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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