Madison County property record for 76 Emerald Downs, Humboldt, TN 38343
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,344 sqft · built 2006 |
| Lot Size | 0.276 acres (12,028 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $229,900 (Sep 2020) |
| Tax Bill | $1,499 (2022) |
| Deeds & Mortgages | Jun 2021 Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012J-E-021.00 |
| Primary APN | 012J-E-021.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,344 sqft Living Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 1,772 sqft |
| Upper Floors Area | 572 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | L-Shape |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,028 sqft (0.276 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 21 sqft |
| Patio Area | 390 sqft |
| Shed | 1 Shed |
| Shed Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 76 EMERALD DOWNS |
|---|---|
| City | HUMBOLDT |
| State | TN |
| Zip | 38343-8542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINCHESTER PLACE PB 10 PG 326 BLK 1 LOT 121 80X150.35 |
| Legal Subdivision | WINCHESTER PLACE |
| Legal Block | 1 |
| Legal Lot Number | 121 |
| Jurisdiction | MADISON TN |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1608 |
Source: Madison County records, as of December 10, 2025
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 |
|---|---|
| Mailing Address | 76 EMERALD DOWNS, HUMBOLDT, TN 38343-8542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 25, 2020 | Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC |
| Sep 21, 2017 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE INVTRS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2020 · Amount on Record |
| Deed Sale | Sep 25, 2020 · Amount on Record |
| Prior Sale | Sep 21, 2017 · Amount on Record |
| Deed Document Number | 202012191 |
| Deed Book / Page | 759 / 1604 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON TN |
| Property Address | 76 EMERALD DOWNS, HUMBOLDT, TN 38343-8542 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | T2163/1536 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | T2163/1536 |
| Instrument | 21009121 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON TN |
| Recording Date | Sep 25, 2020 |
| Property Address | 76 EMERALD DOWNS, HUMBOLDT, TN 38343-8542 |
| Document Number | 0D759/1604 |
| Book / Page | D759 / 1604 |
| Map Reference | MB 10 PG 326 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 20012191 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 EMERALD RIDGE CV, JACKSON, TN 38305-1593 |
| Document Number | 0020012192 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 20012192 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON TN |
| Recording Date | Sep 21, 2017 |
| Property Address | 76 EMERALD DOWNS, HUMBOLDT, TN 38343-8542 |
| Document Number | 0000010997 |
| Book / Page | 00D742 / 000138 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 10997 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $728.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 76 EMERALD DOWNS HUMBOLDT TN 383438542, HUMBOLDT, TN 38343-8542 |
| Document Number | 10998 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 0T2055/001225 |
| Instrument | 10998 |
| Name | MORTGAGE INVTRS |
|---|---|
| Type | Mortgage Company |
| Address | KNOXVILLE, TN 37923 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
Source: Madison County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Madison County |
| Municipality | Three Way City |
| Unified School District | Jackson-Madison County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $65,475 (-) Land $7,500 Building $57,975 | $261,900 (-) Land $30,000 Building $231,900 | |
| 2023 | $65,475 Land $7,500 Building $57,975 | ||
| 2022 | $1,499.00 | $261,900 Land $30,000 Building $231,900 |
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.
Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (2007–2010) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JACKSON WATER SYSTEM serves 91,111 people · EPA ID TN0000299 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gibson Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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