674 Ebenezer Rd, Troy, TN 38260 Property Records

Obion County property record for 674 Ebenezer Rd, Troy, TN 38260

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,602 sqft · built 2019
Lot Size	9.18 acres (399,881 sqft)
Owner	Individual Name on Record
Tax Bill	$914 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066083 00803`

Property Details

APN / Parcel Number

Primary APN	`066083 00803`
Alternative APN	`083 00803`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,602 sqft Living Area
1st Floor Area	1,602 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	399,881 sqft (9.18 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	578 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	674 EBENEZER RD
City	TROY
State	TN
Zip	38260-4456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:06 MAP REF:083
Jurisdiction	OBION TN
Township / Civil Division	6
Census Block Group	1
Census Block	1007
Census Tract	965400

Owner

Source: Obion County records, as of January 23, 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	674 EBENEZER RD, TROY, TN 38260-4456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK
Sep 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE CITIZENS BANK
Jul 30, 2021	Correction Deed
Jun 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIMMONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021
Deed Sale	Jul 30, 2021
Deed Document Number	000291/256
Deed Book / Page	291 / 256
Last Transfer Date	May 16, 2024
Transfer Doc	0000387/38
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	674 EBENEZER RD, TROY, TN 38260-4456
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 EBENEZER RD, TROY, TN 38260-4456

Mortgage

Document Number	0000372/65
Date	Nov 9, 2023
Book Page	372/65
Instrument	80797

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	UNION CITY, TN 38261

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	674 EBENEZER RD, TROY, TN 38260-4456
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 EBENEZER RD, TROY, TN 38260-4456

Mortgage

Document Number	295/551
Date	Sep 3, 2021
Book Page	295/551
Instrument	69560

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	UNION CITY, TN 38261

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 24, 2036

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OBION TN
Recording Date	Jul 30, 2021
Property Address	674 EBENEZER RD, TROY, TN 38260-4456
Document Number	291/256
Book / Page	291 / 256
Instrument Date	Jul 21, 2021
Instrument	68934
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	674 EBENEZER RD, TROY, TN 38260-4456

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	674 EBENEZER RD, TROY, TN 38260-4456
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	TN

Mortgage

Document Number	0000057940
Date	Jun 11, 2019
Book Page	0000000236/0000000513
Instrument	57940

Lender

Name	SIMMONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$914.00	$66,225 (-) Land $8,225 Building $58,000
2023		$66,225 (+58.81%) Land $8,225 Building $58,000	$264,900 (+58.81%) Land $32,900 Building $232,000
2022		$41,700 Land $5,175 Building $36,525	$166,800 Land $20,700 Building $146,100

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 24, 2024 · 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

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	0.02% 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	ELBRIDGE WATER ASSOCIATION serves 3,239 people · EPA ID TN0000220
Water Source	Groundwater
Last State Inspection	Oct 2022
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	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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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