649 Cloud Cir, Henderson, TN 38340 Property Records

Chester County property record for 649 Cloud Cir, Henderson, TN 38340 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,171 sqft · built 1975
Lot Size	0.313 acres (13,661 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Apr 2008)
Tax Bill	$580 (2026)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012033O A 01301`

Property Details

APN / Parcel Number

Primary APN	`012033O A 01301`
Alternative APN	`033O A 01301 00006033J`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,171 sqft Living Area
1st Floor Area	1,067 sqft
Upper Floors Area	42 sqft
Basement Area	1,067 sqft
Finished Basement	1,067 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1981
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,661 sqft (0.313 acres)
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	649 CLOUD CIR
City	HENDERSON
State	TN
Zip	38340-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06 FROM C LYNCH, COUNTY AREA: H50
Jurisdiction	CHESTER TN
Township / Civil Division	6
Census Block Group	3
Census Block	3034
Census Tract	970200

Owner

Source: Chester County records · APN 012033O A 01301

Assessment roll updated July 20, 2026 · Last verified July 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 File
Mailing Address	649 CLOUD CIR, HENDERSON, TN 38340-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 03, 2008 · Amount on Record
Deed Sale	Apr 03, 2008 · Amount on Record
Deed Book / Page	313 / 623
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER TN
Property Address	649 CLOUD CIR, HENDERSON, TN 38340-1201
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004910071
Date	Apr 13, 2022
Book Page	491/71
Instrument	70392

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2037

Tax Assessment & Valuation

Source: Chester County records · Assessment roll updated July 20, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Chester County
Municipality	Henderson City
Unified School District	Chester County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$580.00 (+19.83%)	$28,475 (+46.21%)	$113,900 (+46.21%) Land $11,100 Building $102,800
2023	$484.00	$19,475	$77,900 Land $8,400 Building $69,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Chester County (47023C), updated May 4, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470239702003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 28% of Tennessee
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 104 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Aeneas Communications	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.