Smith County property record for 92 Flat Rock Rd, Lebanon, TN 37090
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 5,430 sqft · built 2002 |
| Lot Size | 5.89 acres (256,568 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,900 (Jul 2012) |
| Tax Bill | $2,279 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-038.00 |
| Primary APN | 050-038.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 5,430 sqft Living Area |
| 1st Floor Area | 2,835 sqft |
| Upper Floors Area | 2,595 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 256,568 sqft (5.89 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 800 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 204 sqft |
| Deck Area | 336 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Pole Barn | 2,560 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 92 FLAT ROCK RD |
|---|---|
| City | LEBANON |
| State | TN |
| Zip | 37090-9215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SURVEY IN DEED |
| Legal Tract | 21 |
| Jurisdiction | SMITH TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 975200 |
92 Flat Rock Rd is owned and occupied by an individual who acquired it in June 2024.
Source: Smith County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 92 FLAT ROCK RD, LEBANON, TN 37090-9215 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Jun 27, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2012 · Amount on File |
| Deed Sale | Jul 2, 2012 · Amount on File |
| Prior Sale | Nov 2, 2011 · Amount on File |
| Deed Document Number | 20121549 |
| Deed Book / Page | 250 / 213 |
| Last Transfer Date | Jun 26, 2024 |
| Transfer Doc | 0000469702 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SMITH TN |
| Property Address | 92 FLAT ROCK RD, LEBANON, TN 37090-9215 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000404657 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 404/657 |
| Instrument | 21002328 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | CARTHAGE, TN 37030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SMITH TN |
| Recording Date | Jun 27, 2024 |
| Property Address | 92 FLAT ROCK RD, LEBANON, TN 37090-9215 |
| Document Number | 0000469702 |
| Book / Page | 469 / 702 |
| Instrument Date | Jun 26, 2024 |
| Instrument | 24001826 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 92 Flat Rock Rd was $2,279.
Source: Smith County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Smith County |
| Unified School District | Smith County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,279.00 | $131,475 Land $10,850 Building $120,625 | $525,900 Land $43,400 Building $482,500 |
| 2023 | $131,475 (-) Land $10,850 Building $120,625 | ||
| 2022 | $131,475 Land $10,850 Building $120,625 | $525,900 Land $43,400 Building $482,500 | |
| 2019 | $2,368.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 29 (2010–2021) |
| Claims Outside the SFHA | 20 of 29 |
| Most Recent Claim | Dec 2021 · river or lake flooding |
| Claims by Event |
|
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 risk around 92 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 Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH SIDE U.D. #1 serves 4,431 people · EPA ID TN0000904 |
|---|---|
| Water Source | Purchased surface water from SMITH UTILITY DISTRICT |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DeKalb Telephone Cooperative Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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