890 Phillips Flats Rd, Oneida, TN 37841 Property Records

Scott County property record for 890 Phillips Flats Rd, Oneida, TN 37841

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,372 sqft · built 1996
Lot Size	5.44 acres (236,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Mar 2018)
Tax Bill	$832 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`076053 04803`

Property Details

APN / Parcel Number

Primary APN	`076053 04803`
Alternative APN	`053 04803`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	236,966 sqft (5.44 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	980 sqft
Shed	1 Shed
Shed Area	528 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	890 PHILLIPS FLATS RD
City	ONEIDA
State	TN
Zip	37841-7208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: B03
Jurisdiction	SCOTT TN
Township / Civil Division	5
Census Block Group	3
Census Block	3088
Census Tract	975000

Owner

Source: Scott County records, as of October 15, 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	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ORNL FEDERAL CREDIT UNION
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE
Mar 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED CUMBERLAND BANK
Dec 30, 2020	Quit Claim Deed, Transfer · Conventional Mortgage ORNL FEDERAL CREDIT UNION
Jan 29, 2019	Quit Claim Deed, Transfer Quitclaim
Mar 6, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2018 · Amount on Record
Deed Sale	Mar 6, 2018 · Amount on Record
Prior Sale	Aug 7, 2013 · Amount on Record
Deed Book / Page	301 / 812
Last Transfer Date	Dec 21, 2020
Transfer Doc	000028/916
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT TN
Recording Date	Oct 7, 2026
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Document Number	0000004774
Book / Page	114 / 455
Instrument Date	Oct 2, 2026
Instrument	20264774
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004774,
Date	Oct 7, 2026
Book Page	114/455
Instrument	20264774

Lender

Name	ORNL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT TN
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000097/0000000528
Date	Oct 14, 2025
Book Page	0000000097/0000000528
Instrument	806

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2040

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTT TN
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	314/220
Date	Mar 6, 2018
Book Page	314/220

Lender

Name	UNITED CUMBERLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT TN
Recording Date	Dec 30, 2020
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Document Number	000028/916
Book / Page	28 / 916
Instrument Date	Dec 21, 2020
Instrument	20003225
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Investor	Possibly a Property Investor

Mortgage

Document Number	0020003226
Date	Dec 30, 2020
Instrument	20003226

Lender

Name	ORNL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCOTT TN
Recording Date	Jan 29, 2019
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Document Number	0000002/27
Book / Page	2 / 27
Instrument Date	Nov 10, 2018
Instrument	19000229
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Investor	Possibly a Property Investor

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTT TN
Recording Date	Mar 6, 2018
Property Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Document Number	000301/812
Book / Page	301 / 812
Instrument Date	Feb 23, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 PHILLIPS FLATS RD, ONEIDA, TN 37841-7208
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$832.00	$51,975 (-) Land $18,075 Building $33,900
2023		$51,975 Land $18,075 Building $33,900	$207,900 Land $72,300 Building $135,600

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 September 28, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 73% of the US · above 96% of Tennessee
Wildfire Likelihood	0.4% 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	ONEIDA WATER AND SEWER COMMISSION serves 11,600 people · EPA ID TN0000532
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017 Total trihalomethanes resolved · Jan 2017
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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Highland Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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