648 David Ray Ct, Clarksville, TN 37042 Property Records

Montgomery County property record for 648 David Ray Ct, Clarksville, TN 37042

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,182 sqft · built 1994
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Tax Bill	$1,642 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`54A H 39.00`

Property Details

APN / Parcel Number

Primary APN	`54A H 39.00`
Alternative APNs	`054A H 03900 000` `32200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,182 sqft Living Area
Gross Area	2,470 sqft
1st Floor Area	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 80 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	52 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Utility Building	110 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	648 DAVID RAY CT
City	CLARKSVILLE
State	TN
Zip	37042-6056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	SUBDIVISION: LINWOOD BLOCK: 1C LOT: 12 PLAT BOOK: 13 PLAT PAGE: 178 PRORATED FOR 9 MONTHS T-94;QC V709-1973 T-99;SWD
Legal Subdivision	LINWOOD
Legal Block	1C
Legal Lot Number	12
Jurisdiction	MONTGOMERY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3027
Census Tract	101102

Owner

Source: Montgomery County records, as of May 5, 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
Mailing Address	648 DAVID RAY CT, CLARKSVILLE, TN 37042-6056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Warranty Deed, Transfer · VA Mortgage THRIVE MORTGAGE LLC
Jul 21, 2022	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023
Deed Sale	Jan 23, 2023
Prior Sale	Jul 21, 2022 · Amount on Record
Deed Document Number	20231410961
Deed Book / Page	2276 / 151
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jan 23, 2023
Property Address	648 DAVID RAY CT, CLARKSVILLE, TN 37042-6056
Document Number	002276/151
Book / Page	2276 / 151
Map Reference	MB 13 PG 178 PL 178
Instrument Date	Jan 19, 2023
Instrument	1410961
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	TENNESSEE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$784.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 DAVID RAY CT, CLARKSVILLE, TN 37042-6056

Mortgage

Document Number	0001410962
Date	Jan 23, 2023
Instrument	1410962

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jul 21, 2022
Property Address	648 DAVID RAY CT, CLARKSVILLE, TN 37042-6056
Document Number	02238/1524
Book / Page	2238 / 1524
Map Reference	MB 13 PG 178 PL 178
Instrument Date	Jul 19, 2022
Instrument	1390139
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$784.03
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Municipality	Clarksville City
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,642.00 (+1.3%)	$54,375 (-)	$217,500 (-) Land $44,000 Building $173,500
2024	$1,621.00 (+39.38%)	$54,375 (+97.37%)	$217,500 (+97.37%) Land $44,000 Building $173,500
2023	$1,163.00	$27,550 (-)
2022	$1,163.00	$27,550	$110,200 Land $20,800 Building $89,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	3 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Nov 2001 · 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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CLARKSVILLE WATER DEPARTMENT serves 251,864 people · EPA ID TN0000116
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CDE Lightband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Cumberland Connect, T-Mobile, Verizon.

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