658 Waterloo Rd, Westpoint, TN 38486 Property Records

Lawrence County property record for 658 Waterloo Rd, Westpoint, TN 38486

Property Summary

Property Type	Rural Home
Details	1 ba · 1,505 sqft · built 1957
Lot Size	41 acres (1,785,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Oct 2020)
Tax Bill	$919 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050086 00700`

Property Details

APN / Parcel Number

Primary APN	`050086 00700`
Alternative APN	`086 00700`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1977
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,785,960 sqft (41 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	658 WATERLOO RD
City	WESTPOINT
State	TN
Zip	38486-5030
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 6
Jurisdiction	LAWRENCE TN
Township / Civil Division	13
Census Block Group	2
Census Block	2040
Census Tract	960200

Owner

Source: Lawrence County records, as of July 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit WAYNE COUNTY BANK
Apr 20, 2020	Correction Deed, Transfer ATTORNEY ONLY
Dec 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 15, 2019	Loan Modification, Mortgage BANK OF WAYNESBORO
Jun 8, 2018	Warranty Deed, Transfer · Line of Credit BANK OF WAYNESBORO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Jun 8, 2018 · Amount on Record
Deed Document Number	20205743
Deed Book / Page	608 / 769
Prior Transfer Date	Dec 23, 2019
Prior Transfer Doc	0000581006
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030

Mortgage

Document Number	0000728286
Date	Nov 1, 2023
Book Page	728/286
Instrument	23005872

Lender

Name	WAYNE COUNTY BANK
Type	Bank
Address	WAYNESBORO, TN 38485

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 3, 2038

April 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 20, 2020
Property Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Document Number	591183
Book / Page	000591 / 000183
Instrument Date	Apr 1, 2020
Instrument	2191
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 HOLLAWAY ST SUMMERTOWN TN 384837614, SUMMERTOWN, TN 38483-7614

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 26, 2019
Property Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Document Number	5816
Book / Page	000581 / 000006
Instrument Date	Dec 23, 2019
Instrument	6702
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 HOLLAWAY ST SUMMERTOWN TN 384837613, SUMMERTOWN, TN 38483-7613

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAWRENCE TN
Property Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Document Number	563206
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 RIDGE RD WESTPOINT TN 384865114, WESTPOINT, TN 38486-5114

Mortgage

Document Number	563206
Date	May 22, 2019
Book Page	000563/000206
Instrument	2651

Lender

Name	BANK OF WAYNESBORO
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jun 8, 2018
Property Address	658 WATERLOO RD, WESTPOINT, TN 38486-5030
Document Number	536262
Book / Page	000536 / 000262
Instrument Date	Jun 4, 2018
Instrument	2919
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
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	658 WATERLOO RD WESTPOINT TN 384865030, WESTPOINT, TN 38486-5030

Mortgage

Document Number	536265
Date	Jun 8, 2018
Book Page	000536/000265
Instrument	2920

Lender

Name	BANK OF WAYNESBORO
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$919.00 Additional exemption filed	$45,700 (-) Land $9,625 Building $36,075
2023	$919.00 Additional exemption filed	$45,700 (-) Land $9,625 Building $36,075
2022	$919.00	$45,700 Land $9,625 Building $36,075	$230,000 Land $85,700 Building $144,300

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 17, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.05% 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	LAWRENCEBURG UTILITY SYSTEMS serves 21,244 people · EPA ID TN0000392
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	7 ppb (2026–2028) 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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