7785 Melanie Cir, Talbott, TN 37877 Property Records

Hamblen County property record for 7785 Melanie Cir, Talbott, TN 37877

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,395 sqft · built 1987
Lot Size	0.656 acres (28,563 sqft)
Owner	2 Individual Names on Record
Last Sale	$626,000 (Nov 2020)
Tax Bill	$2,796 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`046F-B-005.00`

Property Details

APN / Parcel Number

Primary APN	`046F-B-005.00`
Alternative APNs	`02046FB046F00500` `032046F B 00500`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,395 sqft Living Area
Gross Area	4,941 sqft
1st Floor Area	1,800 sqft
Upper Floors Area	543 sqft
Basement Area	1,668 sqft
Finished Basement	1,052 sqft
Unfinished Basement	616 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,563 sqft (0.656 acres)
Lot Dimensions	239 ft deep x 119 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	804 sqft
Deck Area	396 sqft
Patio Area	396 sqft
Boat House	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	7785 MELANIE CIR
City	TALBOTT
State	TN
Zip	37877-8951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WEST LAKE EST PB: A PG: 166 LOT: 15R 75X347.87 IRR.
Legal Subdivision	WEST LAKE EST
Legal Lot Number	15R
Jurisdiction	HAMBLEN TN
Township / Civil Division	13
Census Block Group	4
Census Block	4001
Census Tract	101100

Owner

Source: Hamblen County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7785 MELANIE CIR, TALBOTT, TN 37877-8951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC
Jun 12, 2017	Deed of Trust, Mortgage · Line of Credit FIRST TN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Jan 22, 2003 · Amount on Record
Deed Document Number	20209107
Deed Book / Page	1874 / 876
Transfer Doc	0765000539
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMBLEN TN
Recording Date	Nov 17, 2020
Property Address	7785 MELANIE CIR, TALBOTT, TN 37877-8951
Document Number	0001874876
Book / Page	1874 / 876
Map Reference	CAB A SL A-166
Instrument Date	Oct 31, 2020
Instrument	20009107
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	EAST TN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,316.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7785 MELANIE CIR, TALBOTT, TN 37877-8951

Mortgage

Document Number	0020009108
Date	Nov 17, 2020
Instrument	20009108

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMBLEN TN
Property Address	7785 MELANIE CIR, TALBOTT, TN 37877-8951
Document Number	171463
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7785 MELANIE CIR TALBOTT TN 378778951, TALBOTT, TN 37877-8951

Mortgage

Document Number	171463
Date	Jul 3, 2017
Book Page	001714/000063
Instrument	260639

Lender

Name	FIRST TN BK
Type	Bank
Address	MORRISTOWN, TN 37814

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamblen County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,796.00 (+16.65%)	$190,200 (+56.29%) Land $30,925 Building $159,275	$760,800 (+56.29%) Land $123,700 Building $637,100
2023		$121,700 (-) Land $36,200 Building $85,500
2022	$2,397.00	$121,700 Land $36,200 Building $85,500	$486,800 (-) Land $144,800 Building $342,000
2020			$486,800 Land $144,800 Building $342,000

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

Source: FEMA National Flood Hazard Layer, effective August 9, 2022

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 50% of the US · above 67% 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	ALPHA-TALBOTT UTILITY DISTRICT serves 19,075 people · EPA ID TN0000014
Water Source	Purchased surface water from MORRISTOWN UTILITIES COMMISSION
Last State Inspection	Jul 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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