721 Phelps Ln, Ramer, TN 38367 Property Records

McNairy County property record for 721 Phelps Ln, Ramer, TN 38367

Property Summary

Property Type	Rural Home
Details	1 ba · 1,248 sqft · built 1975
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Mar 2014)
Tax Bill	$619 (2025)
Deeds & Mortgages	Jun 2026 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055161 05303`

Property Details

APN / Parcel Number

Primary APN	`055161 05303`
Alternative APN	`161 05303`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1987
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	871,200 sqft (20 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	115 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	721 PHELPS LN
City	RAMER
State	TN
Zip	38367-6109
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 6
Jurisdiction	MCNAIRY TN
Township / Civil Division	5
Census Block Group	1
Census Block	1041
Census Tract	930600

Owner

721 Phelps Ln, a rural home, is owned and occupied by two individuals who bought it in March 2014.

Source: McNairy County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	721 PHELPS LN, RAMER, TN 38367-6109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 28, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2014 · Amount on File
Deed Sale	Mar 17, 2014 · Amount on File
Prior Sale	Jul 18, 2005 · Amount on File
Deed Document Number	201489893
Deed Book / Page	229 / 497
Prior Transfer Date	Oct 29, 2013
Prior Transfer Doc	0000228235
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCNAIRY TN
Recording Date	Jun 17, 2026
Property Address	721 PHELPS LN, RAMER, TN 38367-6109
Document Number	0000145716
Book / Page	38 / 2133
Instrument Date	Jun 17, 2026
Instrument	2026145716
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	721 PHELPS LN, RAMER, TN 38367-6109
Investor	Possibly a Property Investor

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCNAIRY TN
Property Address	721 PHELPS LN, RAMER, TN 38367-6109
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004297
Date	Dec 28, 2020
Book Page	4/297
Instrument	118807

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 721 Phelps Ln was $619.

Source: McNairy County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$619.00 Additional exemption filed	$39,275 Land $5,025 Building $34,250
2023		$28,125 Land $4,275 Building $23,850
2022	$444.00		$188,600 Land $51,600 Building $137,000

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

FEMA maps place 721 Phelps Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 2, 2008

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

Wildfire risk around 721 Phelps Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% 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	SELMER WATER SYSTEM serves 20,648 people · EPA ID TN0000615
Water Source	Groundwater
Last State Inspection	Sep 2024
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 2 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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