92 Mill St, Gates, TN 38037 Property Records

Lauderdale County property record for 92 Mill St, Gates, TN 38037

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,052 sqft · built 1940
Lot Size	0.191 acres (8,360 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Apr 2024)
Tax Bill	$271 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Apr 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`049039M B 00801`

Property Details

APN / Parcel Number

Primary APN	`049039M B 00801`
Alternative APN	`039M B 00801`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1981
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,360 sqft (0.191 acres)
Lot Dimensions	110 ft deep x 76 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Patio Area	160 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	92 MILL ST
City	GATES
State	TN
Zip	38037-6500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DISTRICT: 17, COUNTY AREA: G88
Legal Subdivision	MOORES SUB
Jurisdiction	LAUDERDALE TN
Township / Civil Division	7
Census Block Group	1
Census Block	1017
Census Tract	50300

Owner

92 Mill St is owned by an individual who bought it in April 2024.

Source: Lauderdale County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114-2102
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

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 22, 2024	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 1, 2023	Warranty Deed, Transfer
Apr 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK
Dec 3, 2018	Special Warranty Deed, Transfer · Conventional Mortgage LAUDERDALE COUNTY BANK
Nov 8, 2018	Warranty Deed, Transfer BUY OWNER TITLE, TITLE DEPARTMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Dec 1, 2023 · Amount on File
Deed Document Number	205974
Deed Book / Page	804 / 488
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	92 MILL ST, GATES, TN 38037-6500
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 MILL ST, GATES, TN 38037-6500

Mortgage

Document Number	000828/108
Date	Aug 1, 2025
Book Page	828/108
Instrument	210803

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Apr 22, 2024
Property Address	92 MILL ST, GATES, TN 38037-6500
Document Number	000804/488
Book / Page	804 / 488
Map Reference	MB P PG 88
Instrument Date	Apr 19, 2024
Instrument	205974
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114-2102

Mortgage

Document Number	0000205975
Date	Apr 22, 2024
Instrument	205975

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Dec 1, 2023
Property Address	92 MILL ST, GATES, TN 38037-6500
Document Number	000798/792
Book / Page	798 / 792
Instrument Date	Nov 30, 2023
Instrument	204668
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 400, GATES, TN 38037-0400

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	92 MILL ST, GATES, TN 38037-6500
Transaction Type	Mortgage
Record Updated	Jul 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 MILLS ST, GATES, TN 38037-6500

Mortgage

Document Number	0000000725/0000000601
Date	Apr 24, 2019
Book Page	0000000725/0000000601
Instrument	188597

Lender

Name	FIRST CITIZENS BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2029

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Dec 3, 2018
Property Address	92 MILL ST, GATES, TN 38037-6500
Document Number	720/725
Book / Page	720 / 725
Instrument Date	Nov 28, 2018
Instrument	187370
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5204 CONCORD RD, GATES, TN 38037-4656
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000720/0000000729
Date	Dec 3, 2018
Book Page	0000000720/0000000729
Instrument	187371

Lender

Name	LAUDERDALE COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2033

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Nov 8, 2018
Property Address	92 MILL ST, GATES, TN 38037-6500
Document Number	0000187204
Book / Page	000720 / 000001
Instrument Date	Sep 20, 2018
Instrument	187204
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	BUY OWNER TITLE, TITLE DEPARTMENT

Transaction

Amount	Amount on Record
Tax	$118.40
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345

Tax Assessment & Valuation

The 2025 property tax bill for 92 Mill St was $271.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Lauderdale County
Municipality	Gates Town
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$271.00	$10,675 (-) Land $1,000 Building $9,675
2024	$271.00	$10,675 (-) Land $1,000 Building $9,675
2023		$10,675 (+8.65%) Land $1,000 Building $9,675
2022	$180.00	$9,825 Land $1,000 Building $8,825
2021			$42,700 Land $4,000 Building $38,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 92 Mill St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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 Policies	2 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · river or lake flooding

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 92 Mill St is low, with less than 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	GATES WATER DEPARTMENT serves 670 people · EPA ID TN0000255
Water Source	Purchased groundwater from HALLS WATER SYSTEM
Last State Inspection	Sep 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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