94 Cummins Ct, Celina, TN 38551 Property Records

Clay County property record for 94 Cummins Ct, Celina, TN 38551

Property Summary

Property Type	Single Family Home
Details	1 ba · 768 sqft · built 1965
Lot Size	0.15 acres (6,552 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Oct 2022)
Tax Bill	$295 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Apr 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014041N B 00500`

Property Details

APN / Parcel Number

Primary APN	`014041N B 00500`
Alternative APN	`041N B 00500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,552 sqft (0.15 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	94 CUMMINS CT
City	CELINA
State	TN
Zip	38551-6544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: L02
Jurisdiction	CLAY TN
Township / Civil Division	4
Census Block Group	4
Census Block	4035
Census Tract	955000

Owner

94 Cummins Ct is owned by an individual who bought it in October 2022.

Source: Clay County records, as of January 27, 2026

Owner of Record	Individual Name on File
Mailing Address	2760 LEONARD RD, RED BOILING SPRINGS, TN 37150-6005
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
Apr 1, 2025	Warranty Deed, Transfer UNION BANK & TRUST CO
Apr 1, 2025	Warranty Deed, Transfer
Oct 7, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Aug 15, 2022 · Amount on File
Deed Document Number	20221303
Deed Book / Page	121 / 415
Prior Transfer Date	Oct 6, 2022
Prior Transfer Doc	0WD121/415
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY TN
Recording Date	Apr 1, 2025
Property Address	94 CUMMINS CT, CELINA, TN 38551-6544
Document Number	0WD128/155
Book / Page	WD128 / 155
Instrument Date	Apr 1, 2025
Instrument	25000348
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$666.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2760 LEONARD RD, RED BOILING SPRINGS, TN 37150-6005

Mortgage

Document Number	0025000349
Date	Apr 1, 2025
Instrument	25000349

Lender

Name	UNION BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2045

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY TN
Recording Date	Apr 1, 2025
Property Address	94 CUMMINS CT, CELINA, TN 38551-6544
Document Number	0WD128/155
Book / Page	WD128 / 155
Instrument Date	Apr 1, 2025
Instrument	25000347
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Tax	$666.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2760 LEONARD RD, RED BLNG SPGS, TN 37150-6005

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY TN
Recording Date	Oct 7, 2022
Property Address	94 CUMMINS CT, CELINA, TN 38551-6544
Document Number	0WD121/415
Book / Page	WD121 / 415
Instrument Date	Oct 6, 2022
Instrument	22001303
Transaction Type	Transfer
Record Updated	Oct 21, 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	3066 OAK KNOB RD, LAFAYETTE, TN 37083-4145

Tax Assessment & Valuation

The 2025 property tax bill for 94 Cummins Ct was $295.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$295.00	$11,350 Land $2,500 Building $8,850
2023		$11,350 Land $2,500 Building $8,850
2022			$45,400 Land $10,000 Building $35,400

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 94 Cummins Ct in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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	3 in force
Nearby Flood Claims	16 (2010–2021)
Claims Outside the SFHA	13 of 16
Most Recent Claim	May 2021 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 9 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 94 Cummins Ct 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CELINA WATER SYSTEM serves 6,160 people · EPA ID TN0000099
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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