86 Harmon Arnold Rd, Bradford, TN 38316 Property Records

Gibson County property record for 86 Harmon Arnold Rd, Bradford, TN 38316

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,417 sqft · built 2022
Lot Size	7.07 acres (307,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$48,000 (Jul 2020)
Tax Bill	$3,005 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`027098 02117`

Property Details

APN / Parcel Number

Primary APN	`027098 02117`
Alternative APN	`098 02117`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,417 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	307,969 sqft (7.07 acres)
Garage Type	Finished
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	86 HARMON ARNOLD RD
City	BRADFORD
State	TN
Zip	38316-8754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 15, COUNTY AREA: R04
Legal Subdivision	MIKE CROCKER PROP
Jurisdiction	GIBSON TN
Township / Civil Division	11
Census Block Group	5
Census Block	5033
Census Tract	966400

Owner

Source: Gibson County records, as of January 28, 2026

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	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage CARROLL BANK & TRUST
Jul 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Aug 13, 2018	Warranty Deed, Transfer · Conventional with PMI FARMERS & MERCHANTS NAT'L BK
Feb 6, 2018	Warranty Deed, Transfer FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	196829
Deed Book / Page	1049 / 1661
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GIBSON TN
Property Address	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754

Mortgage

Document Number	0000210669
Date	Oct 27, 2021
Book Page	1070/1334
Instrument	210669

Lender

Name	CARROLL BANK & TRUST
Type	Bank
Address	MILAN, TN 38358

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 21, 2041

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GIBSON TN
Recording Date	Jul 13, 2020
Property Address	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754
Document Number	0000196829
Book / Page	001049 / 001661
Instrument Date	Jul 10, 2020
Instrument	196829
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$178.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 WILLOW TRACE DR MILAN TN 383586910, MILAN, TN 38358-6910

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GIBSON TN
Recording Date	Aug 13, 2018
Property Address	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754
Document Number	0000180327
Book / Page	001027 / 002659
Instrument Date	Aug 8, 2018
Instrument	180327
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5040 N MAIN ST MILAN TN 383581821, MILAN, TN 38358-1821

Mortgage

Document Number	180328
Date	Aug 13, 2018
Book Page	001027/002662
Instrument	180328

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	DYER, TN 38330

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Aug 12, 2028

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GIBSON TN
Recording Date	Feb 6, 2018
Property Address	86 HARMON ARNOLD RD, BRADFORD, TN 38316-8754
Document Number	0000176113
Book / Page	001022 / 002204
Instrument Date	Feb 2, 2018
Instrument	176113
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 546 MILAN TN 383580546, MILAN, TN 38358-0546

Mortgage

Document Number	176114
Date	Feb 6, 2018
Book Page	001022/002207
Instrument	176114

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	DYER, TN 38330

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 5, 2028

Tax Assessment & Valuation

Source: Gibson County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Gibson County
Unified School District	Milan Special School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,005.00	$131,250 Land $13,900 Building $117,350
2024			$525,000 Land $55,600 Building $469,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 5, 2008 · 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 (1990–2010)
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	0.02% 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	GIBSON CO MUNI WATER DIST #4 serves 3,386 people · EPA ID TN0000813
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 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	1 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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