846 Lockhart Rd, Dunlap, TN 37327 Property Records

Sequatchie County property record for 846 Lockhart Rd, Dunlap, TN 37327

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 6,712 sqft · built 1991
Lot Size	16.4 acres (715,255 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (May 2022)
Tax Bill	$10,176 (2023)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`077047 03503`

Property Details

APN / Parcel Number

Primary APN	`077047 03503`
Alternative APN	`047 03503`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	6,712 sqft Living Area
1st Floor Area	3,302 sqft
Upper Floors Area	3,410 sqft
Basement Area	3,302 sqft
Unfinished Basement	3,302 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	715,255 sqft (16.4 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	728 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	4,698 sqft
Patio Area	2,856 sqft
Shed	1 Shed
Shed Area	2,212 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	846 LOCKHART RD
City	DUNLAP
State	TN
Zip	37327-3855
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	FLOOD
Legal Description	DISTRICT: 4
Jurisdiction	SEQUATCHIE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3000
Census Tract	60103

Owner

846 Lockhart Rd, a rural home, is owned and occupied by two individuals who bought it in May 2022.

Source: Sequatchie County records, as of April 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	846 LOCKHART RD, DUNLAP, TN 37327-3855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESID'L MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Jun 30, 2011 · Amount on File
Deed Document Number	20221408
Deed Book / Page	440 / 699
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	May 9, 2022
Property Address	846 LOCKHART RD, DUNLAP, TN 37327-3855
Document Number	0000001408
Book / Page	440 / 699
Instrument Date	Apr 27, 2022
Instrument	22001408
Transaction Type	Transfer
Record Updated	May 19, 2022
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 LOCKHART RD, DUNLAP, TN 37327-3855

Mortgage

Document Number	0000001409
Date	May 9, 2022
Instrument	22001409

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.85%
Max Rate At Change	8.99%
Index	1-Year CMT
Max Rate	8.99%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	846 LOCKHART RD, DUNLAP, TN 37327-3855
Document Number	0000002619
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	846 LOCKHART RD DUNLAP TN 373273855, DUNLAP, TN 37327-3855

Mortgage

Document Number	0000002619
Date	Oct 19, 2020
Book Page	000406/000341
Instrument	2619

Lender

Name	HIGHLANDS RESID'L MTG
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2050

Tax Assessment & Valuation

Source: Sequatchie County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Sequatchie County
Municipality	Dunlap City
Unified School District	Sequatchie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$421,425 Land $54,825 Building $366,600
2023	$10,176.00 (+89.46%)	$421,425 (+160.34%) Land $54,825 Building $366,600	$1,685,700 (+160.34%) Land $219,300 Building $1,466,400
2022	$5,371.00	$161,875 Land $7,225 Building $154,650	$647,500 Land $28,900 Building $618,600

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 846 Lockhart Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 846 Lockhart Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · above 86% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	DUNLAP WATER SYSTEM serves 9,782 people · EPA ID TN0000205
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (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	5 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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