76 Ben Thompson Rd, Kelso, TN 37348 Property Records

Lincoln County property record for 76 Ben Thompson Rd, Kelso, TN 37348

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,106 sqft · built 2017
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Apr 2024)
Tax Bill	$777 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`052104 02723`

Property Details

APN / Parcel Number

Primary APN	`052104 02723`
Alternative APN	`104 02723`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,106 sqft Living Area
1st Floor Area	1,106 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Terrain	Rolling
Porch	Slab
Porch Area	96 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	76 BEN THOMPSON RD
City	KELSO
State	TN
Zip	37348-6008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BIG-WEST SUBD
Legal Lot Number	7
Jurisdiction	LINCOLN TN
Township / Civil Division	3
Census Block Group	1
Census Block	1096
Census Tract	975500

Owner

76 Ben Thompson Rd is owned and occupied by an individual who bought it in April 2024.

Source: Lincoln County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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
Mar 12, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Apr 4, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN FUNDING LLC
Apr 4, 2024	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Aug 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2024 · Amount on File
Deed Sale	Apr 4, 2024 · Amount on File
Deed Document Number	20241406
Deed Book / Page	A17 / 687
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN TN
Property Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	SECURITY TITLE AND ESCROW, SECURITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008

Mortgage

Document Number	0TD918/943
Date	Mar 12, 2026
Book Page	TD918/943
Instrument	26001199

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	1 MACARTHUR PL STE 800, SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN TN
Property Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD879/614
Date	Apr 4, 2024
Book Page	TD879/614
Instrument	24001408

Lender

Name	AMERICAN FUNDING LLC
Address	511 MYFORD ROAD #100 100, TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN TN
Property Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 E BURTON ST, MURFREESBORO, TN 37130-3018

Mortgage

Document Number	0TD879/599
Date	Apr 4, 2024
Book Page	TD879/599
Instrument	24001407

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN TN
Property Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD869/262
Date	Aug 11, 2023
Book Page	TD869/262
Instrument	23003559

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN TN
Property Address	76 BEN THOMPSON RD, KELSO, TN 37348-6008
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	TD834/558
Date	Nov 1, 2021
Book Page	TD834/558
Instrument	21006340

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 76 Ben Thompson Rd was $777.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$777.00	$40,900 Land $7,000 Building $33,900
2024			$163,600 Land $28,000 Building $135,600

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 76 Ben Thompson Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 17, 2016 · 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	2 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 76 Ben Thompson Rd is low, with a 0.01% 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	0.01% 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	LINCOLN CO B.P.U. #1 serves 23,846 people · EPA ID TN0000764
Water Source	Purchased surface water from FAYETTEVILLE PUBLIC UTILITIES
Last State Inspection	Apr 2025
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	65 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Fayetteville Public Utilities Fiber	1,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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