838 Fowler Rd, White Bluff, TN 37187 Property Records

Dickson County property record for 838 Fowler Rd, White Bluff, TN 37187

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1978
Lot Size	8.95 acres (389,862 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Aug 2024)
Tax Bill	$1,900 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`022077 03604`

Property Details

APN / Parcel Number

Primary APN	`022077 03604`
Alternative APN	`077 03604`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	1,200 sqft
Upper Floors Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	389,862 sqft (8.95 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	2,960 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	66 sqft
Patio Area	226 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	838 FOWLER RD
City	WHITE BLUFF
State	TN
Zip	37187-4304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 12, COUNTY AREA: H01
Jurisdiction	DICKSON TN
Township / Civil Division	5
Census Block Group	1
Census Block	1003
Census Tract	60300

Owner

838 Fowler Rd is owned and occupied by two individuals who bought it in August 2024.

Source: Dickson County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit F & M BANK
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit F & M BANK
Jan 4, 2022	Intrafamily Transfer, Transfer
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2024 · Amount on File
Deed Sale	Aug 9, 2024 · Amount on File
Prior Sale	Nov 23, 1977
Deed Document Number	2024367113
Deed Book / Page	1577 / 1498
Prior Transfer Date	Aug 8, 2024
Prior Transfer Doc	0V15771498
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304

Mortgage

Document Number	0V16002423
Date	Nov 17, 2025
Book Page	V1600/2423
Instrument	380884

Lender

Name	F & M BANK
Type	Bank
Address	2011 HIGHWAY 47 N, WHITE BLUFF, TN 37187

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 15, 2035

Interest

Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304

Mortgage

Document Number	00V1548338
Date	Oct 18, 2022
Book Page	V1548/338
Instrument	347766

Lender

Name	F & M BANK
Type	Bank
Address	WHITE BLUFF, TN 37187

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DICKSON TN
Recording Date	Jan 4, 2022
Property Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304
Document Number	0V15312681
Book / Page	V1531 / 2681
Instrument Date	Dec 30, 2021
Instrument	336946
Transaction Type	Transfer
Record Updated	Jan 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ANDERSON LANE, KINGSTON SPRINGS, TN 37082-8176

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Jan 4, 2022
Property Address	838 FOWLER RD, WHITE BLUFF, TN 37187-4304
Document Number	0V15312683
Book / Page	V1531 / 2683
Instrument Date	Dec 30, 2021
Instrument	336947
Transaction Type	Transfer
Record Updated	Jan 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,443.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 11733, NEWARK, NJ 07101-4733

Mortgage

Document Number	0000336948
Date	Jan 4, 2022
Instrument	336948

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 838 Fowler Rd was $1,900.

Source: Dickson County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,900.00	$112,425 Land $22,450 Building $89,975
2024			$449,700 Land $89,800 Building $359,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 838 Fowler Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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 Claims	3 (1998–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 838 Fowler Rd is low, with a 0.03% 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	0.03% 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	WATER AUTH OF DICKSON COUNTY serves 68,675 people · EPA ID TN0000191
Water Source	Surface water
Last State Inspection	Oct 2025
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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ignite Broadband Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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