765 W Key Rd, Troy, TN 38260 Property Records

Obion County property record for 765 W Key Rd, Troy, TN 38260

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,769 sqft · built 1969
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Oct 2022)
Tax Bill	$815 (2025)
Deeds & Mortgages	Oct 2022 Sale Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`066083 02301`

Property Details

APN / Parcel Number

Primary APN	`066083 02301`
Alternative APN	`083 02301`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,769 sqft Living Area
1st Floor Area	1,769 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2008
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	78,408 sqft (1.8 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	765 W KEY RD
City	TROY
State	TN
Zip	38260-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 6
Jurisdiction	OBION TN
Township / Civil Division	6
Census Block Group	1
Census Block	1039
Census Tract	965400

Owner

765 W Key Rd is owned and occupied by an individual who bought it in October 2022.

Source: Obion County records, as of January 23, 2026

Owner of Record	Individual Name on File
Mailing Address	765 W KEY RD, TROY, TN 38260-4443
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 12, 2022	Warranty Deed, Transfer
Oct 28, 2019	Deed of Trust, Mortgage · Line of Credit LEADERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Jun 6, 2016 · Amount on File
Deed Document Number	75632
Deed Book / Page	337 / 65
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OBION TN
Recording Date	Oct 12, 2022
Property Address	765 W KEY RD, TROY, TN 38260-4443
Document Number	0000337/65
Book / Page	337 / 65
Instrument Date	Oct 11, 2022
Instrument	75632
Transaction Type	Transfer
Record Updated	Oct 27, 2022

Transaction

Amount	Amount on Record
Tax	$888.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 W KEY RD, TROY, TN 38260-4443

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OBION TN
Property Address	765 W KEY RD, TROY, TN 38260-4443
Document Number	0000059817
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 W KEY RD TROY TN 382604443, TROY, TN 38260-4443

Mortgage

Document Number	0000059817
Date	Nov 6, 2019
Book Page	000245/000149
Instrument	59817

Lender

Name	LEADERS CU
Type	Credit Union
Address	JACKSON, TN 38308

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Nov 5, 2041

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 765 W Key Rd was $815.

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	$815.00	$59,025 Land $2,825 Building $56,200
2023		$59,025 (+172.63%) Land $2,825 Building $56,200	$236,100 (+172.63%) Land $11,300 Building $224,800
2022		$21,650 Land $1,275 Building $20,375	$86,600 Land $5,100 Building $81,500
2018	$389.00

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 765 W Key Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 765 W Key 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	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 4 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 (outdoors only) and 4G LTE

Nearby Properties on W Key Rd

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