85 Stephenson Rd, Waverly, TN 37185 Property Records

Humphreys County property record for 85 Stephenson Rd, Waverly, TN 37185

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,300 sqft · built 1975
Lot Size	2.22 acres (96,703 sqft)
Owner	Individual Name on File
Last Sale	$86,000 (Apr 2003)
Tax Bill	$1,584 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`043053 00409`

Property Details

APN / Parcel Number

Primary APN	`043053 00409`
Alternative APN	`053 00409`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Finished Basement	1,300 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	96,703 sqft (2.22 acres)
Terrain	Rolling
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	85 STEPHENSON RD
City	WAVERLY
State	TN
Zip	37185-3037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02 INSIDE CITY, COUNTY AREA: W99
Jurisdiction	HUMPHREYS TN
Township / Civil Division	2
Census Block Group	1
Census Block	1004
Census Tract	130300

Owner

85 Stephenson Rd is owned and occupied by an individual who bought it in April 2003.

Source: Humphreys County records, as of January 27, 2026

Owner of Record	Individual Name on File
Mailing Address	85 STEPHENSON RD, WAVERLY, TN 37185-3037
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2003 · Amount on File
Deed Sale	Apr 3, 2003 · Amount on File
Prior Sale	Apr 4, 2002
Deed Book / Page	184 / 1862
Transfer Doc	183142
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUMPHREYS TN
Property Address	85 STEPHENSON RD, WAVERLY, TN 37185-3037
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 424, WAVERLY, TN 37185-0424

Mortgage

Document Number	0000000145
Date	Jan 13, 2021
Book Page	TD237/444
Instrument	21000145

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	222 Months
Due	Jul 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 85 Stephenson Rd was $1,584, down 0.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Humphreys County
Municipality	Waverly City
Unified School District	Humphreys County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,584.00 (-0.31%)	$52,150 (-) Land $4,175 Building $47,975
2024	$1,589.00	$52,150 (-) Land $4,175 Building $47,975
2023	$1,589.00 (+72.91%)	$52,150 (+82.02%) Land $4,175 Building $47,975	$208,600 (+82.02%) Land $16,700 Building $191,900
2022	$919.00	$28,650 Land $2,250 Building $26,400	$114,600 Land $9,000 Building $105,600

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

FEMA maps place 85 Stephenson Rd in Zone X, an area of minimal flood risk, though there have been 70 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	70 (1984–2021)
Claims Outside the SFHA	3 of 70
Most Recent Claim	Aug 2021 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Aug 2021 · 25 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 13 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 23 claims

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 85 Stephenson 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Meriwether Lewis Connect Fiber	1,000 / 1,000
GigFire Fiber · Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20