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88 Flat Rock Rd, Lebanon, TN 37090 Property Records

Smith County property record for 88 Flat Rock Rd, Lebanon, TN 37090

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,806 sqft · built 1995
Lot Size5.4 acres (235,224 sqft)
Owner2 Individual Names on File
Last Sale$309,000 (Jun 2020)
Tax Bill$1,491 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN080050 03809

Property Details

APN / Parcel Number

Primary APN080050 03809
Alternative APN
  • 050 03809

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories2 Stories
Building Area1,806 sqft Living Area
1st Floor Area1,635 sqft
Upper Floors Area285 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2015
Exterior MaterialBrick
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area235,224 sqft (5.4 acres)
TerrainRolling

Exterior Amenities

PorchOpen Porch
Porch Area32 sqft
Deck Area144 sqft
Patio Area144 sqft
Shed1 Shed
Shed Area1 sqft
Pole Barn900 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address88 FLAT ROCK RD
CityLEBANON
StateTN
Zip37090-9215
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 12
Legal SubdivisionPORTION/ 20
Legal Tract20
JurisdictionSMITH TN
Township / Civil Division4
Census Block Group3
Census Block3029
Census Tract975200

Owner

88 Flat Rock Rd is owned and occupied by two individuals who bought it in June 2020.

Source: Smith County records, as of January 22, 2026

Owner of Record2 Individual Names on File
Mailing Address88 FLAT ROCK RD, LEBANON, TN 37090-9215
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleJun 22, 2020 · Amount on File
Deed SaleJun 22, 2020 · Amount on File
Prior SaleMay 19, 2010 · Amount on File
Deed Document Number20001854
Deed Book / Page378 / 602
Record UpdatedJun 8, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSMITH TN
Recording DateJun 22, 2020
Property Address88 FLATT ROCK RD, LEBANON, TN 37090-9215
Document Number378602
Book / Page000378 / 000602
Instrument DateJun 19, 2020
Instrument1854
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,143.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address88 FLATT ROCK RD LEBANON TN 370909215, LEBANON, TN 37090-9215

Mortgage

Document Number378605
DateJun 22, 2020
Book Page000378/000605
Instrument1855
Lender
NameBANK OF TENNESSEE
TypeBank
AddressKINGSPORT, TN 37660
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJun 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 88 Flat Rock Rd was $1,491.

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

Property Jurisdictions

TypeName
StateTennessee
CountySmith County
Unified School DistrictSmith County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,491.00$86,025 Land $10,350 Building $75,675
2023$86,025 (-) Land $10,350 Building $75,675
2022$86,025 Land $10,350 Building $75,675$344,100 Land $41,400 Building $302,700
2019$1,175.00

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 88 Flat Rock Rd in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Nearby Flood Policies15 in force
Nearby Flood Claims29 (2010–2021)
Claims Outside the SFHA20 of 29
Most Recent ClaimDec 2021 · river or lake flooding
Claims by Event
  • Severe Storms, Flooding, Landslides, And Mudslides, Mar 2019 · 3 claims
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 5 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 88 Flat Rock Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSOUTH SIDE U.D. #1
serves 4,431 people · EPA ID TN0000904
Water SourcePurchased surface water from SMITH UTILITY DISTRICT
Last State InspectionMar 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 13 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
DeKalb Telephone Cooperative
Fiber		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Flat Rock Rd

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