7285 Rock Island Rd, Baxter, TN 38544 Property Records

Putnam County property record for 7285 Rock Island Rd, Baxter, TN 38544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 2023
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Individual Names on File
Last Sale	$408,000 (Nov 2025)
Tax Bill	$1,308 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`071111 02003`

Property Details

APN / Parcel Number

Primary APN	`071111 02003`
Alternative APN	`111 02003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,470 sqft Living Area
1st Floor Area	1,470 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	243,936 sqft (5.6 acres)
Terrain	Rolling
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	7285 ROCK ISLAND RD
City	BAXTER
State	TN
Zip	38544-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 08, COUNTY AREA: N01
Jurisdiction	PUTNAM TN
Township / Civil Division	7
Census Block Group	3
Census Block	3030
Census Tract	1100

Owner

7285 Rock Island Rd is owned and occupied by two individuals who bought it in November 2025.

Source: Putnam County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Aug 18, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS/GA LLC
Nov 21, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC
Apr 13, 2023	Warranty Deed, Transfer
Feb 23, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 22, 2023	Warranty Deed, Transfer
Oct 3, 2022	Intrafamily Transfer, Transfer
Feb 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Apr 13, 2023 · Amount on File
Deed Document Number	2025318215
Deed Book / Page	1660 / 390
Prior Transfer Date	Sep 29, 2022
Prior Transfer Doc	0001436267
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Aug 18, 2026
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0000328624
Book / Page	1723 / 709
Instrument Date	Aug 12, 2026
Instrument	2026328624
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203

Mortgage

Document Number	0000328624,
Date	Aug 18, 2026
Book Page	1723/709
Instrument	2026328624

Lender

Name	MORTGAGE SOLUTIONS/GA LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Nov 21, 2025
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0001660390
Book / Page	1660 / 390
Instrument Date	Nov 18, 2025
Instrument	318215
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	CAPSTONE TITLE LLC, CAPSTONE T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203

Mortgage

Document Number	0000318216
Date	Nov 21, 2025
Instrument	318216

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Apr 13, 2023
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0001469778
Book / Page	1469 / 778
Instrument Date	Apr 6, 2023
Instrument	285543
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Tax	$370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 W 440, PRYOR, OK 74361-7646

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM TN
Recording Date	Feb 23, 2023
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0001460492
Book / Page	1460 / 492
Instrument Date	Feb 17, 2023
Instrument	283861
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2599 S ALLEN RD, BAXTER, TN 38544-2907

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Feb 22, 2023
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0001460414
Book / Page	1460 / 414
Instrument Date	Feb 10, 2023
Instrument	283849
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1626 BROOKDALE AVE, COOKEVILLE, TN 38506-4138

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM TN
Recording Date	Oct 3, 2022
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0001436267
Book / Page	1436 / 267
Instrument Date	Sep 29, 2022
Instrument	279451
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2599 S ALLEN RD, BAXTER, TN 38544-2907

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Feb 4, 2022
Property Address	7285 ROCK ISLAND RD, BAXTER, TN 38544-2203
Document Number	0000137726
Book / Page	1377 / 26
Instrument Date	Feb 3, 2022
Instrument	269183
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2599 S ALLEN RD, BAXTER, TN 38544-2907

Tax Assessment & Valuation

The 2025 property tax bill for 7285 Rock Island Rd was $1,308.

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,308.00	$49,175 (-) Land $10,300 Building $38,875
2024	$1,308.00	$49,175 (-) Land $10,300 Building $38,875
2023		$49,175 Land $10,300 Building $38,875
2022	$177.00
2021			$196,700 Land $41,200 Building $155,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 7285 Rock Island Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · 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	1 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

Wildfire risk around 7285 Rock Island Rd is low, with a 0.02% annual chance of 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	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	COOKEVILLE BOAT DOCK RD U.D. serves 9,345 people · EPA ID TN0000134
Water Source	Purchased surface water from COOKEVILLE WATER DEPT
Last State Inspection	Feb 2025
Lead	1 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	4 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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