McNairy County property record for 79 E Smith Ln, Finger, TN 38334 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1990 |
| Square Footage | 2,134 sqft Living Area |
| Lot Size | 78,408 sqft (1.8 acres) |
| Garage | Detached, 441 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $299,900 (2025) |
| Tax Bill | $739.00 (2025) |
| Primary APN | 055013 00117 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 2,134 sqft Living Area |
| 1st Floor | 1,861 sqft 1st Floor |
| Basement Area | 273 sqft Basement |
| Finished Basement | 273 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Paneling Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 78,408 sqft (1.8 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 441 sqft Garage |
| Deck Area | 240 sqft Deck |
|---|---|
| Patio Area | 174 sqft Patio |
| Porch | Open Porch |
| Porch Area | 16 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Sewage Connected |
| Water Source | Commercial Water Source |
| Street Address | 79 E SMITH LN |
|---|---|
| City | FINGER |
| State | TN |
| Zip | 38334-2291 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 1; SUBDIVISION: SMITH; LOT: 24 |
| Legal Subdivision | SMITH |
| Legal Lot Number | 24 |
| Jurisdiction | MCNAIRY TN |
| Minor Civil Division | 1 |
| Census Blockgroup | 2 |
| Census Block | 2037 |
| Census Tract | 930200 |
Source: McNairy County records · APN 055013 00117
Assessment roll updated May 20, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 23, 2023 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jul 29, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA |
| Jan 07, 2025 | Warranty Deed, Transfer · Veterans Administration Mortgage GUARANTEED RATE INC |
| Aug 01, 2022 | Warranty Deed, Transfer · Line of Credit FIRSTBANK |
| May 07, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 07, 2025 · Amount on Record |
| Deed Sale | Jan 07, 2025 · Amount on Record |
| Prior Sale | Aug 01, 2022 · Amount on Record |
| Deed Doc Number | 138442 |
| Deed Book / Page | 28 / 2524 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Document Number | 0000181153 |
|---|---|
| Date | Mar 23, 2023 |
| Book Page | 18/1153 |
| Instrument | 130526 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 21, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Document Number | 0000026282 |
|---|---|
| Date | Jul 29, 2024 |
| Book Page | 26/282 |
| Instrument | 136433 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | 320 S CANAL ST, CHICAGO, IL 60606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Recording Date | Jan 07, 2025 |
| Property Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Document Number | 0000282524 |
| Book / Page | 28 / 2524 |
| Map Reference | CAB A SL 28 |
| Instrument Date | Jan 03, 2025 |
| Instrument | 138442 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,109.63 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000138443 |
|---|---|
| Date | Jan 07, 2025 |
| Instrument | 138443 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Recording Date | Aug 01, 2022 |
| Property Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Document Number | 0000142783 |
| Book / Page | 14 / 2783 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 127613 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $869.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Document Number | 0000127614 |
|---|---|
| Date | Aug 01, 2022 |
| Instrument | 127614 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 25, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCNAIRY TN |
| Property Address | 79 E SMITH LN, FINGER, TN 38334-2291 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 433981 |
|---|---|
| Date | May 07, 2020 |
| Book Page | 433/981 |
| Instrument | 115639 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: McNairy County records · Assessment roll updated May 20, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | McNairy County |
| Municipality | Finger City |
| Unified School District | McNairy County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $739.00 (+31.03%) | $46,875 (+31.03%) Land $3,650 Building $43,225 | |
| 2024 | $564.00 | $35,775 (-) Land $3,650 Building $32,125 | |
| 2023 | $35,775 Land $3,650 Building $32,125 | ||
| 2022 | $564.00 | $187,500 Land $14,600 Building $172,900 |
Source: FEMA National Flood Hazard Layer, McNairy County (47109C), updated December 2, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 37% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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