95 Emerald Lake Dr, Jackson, TN 38305 Property Records

Madison County property record for 95 Emerald Lake Dr, Jackson, TN 38305

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,160 sqft · built 2019
Lot Size	0.462 acres (20,125 sqft)
Owner	2 Individual Names on File
Last Sale	$419,450 (Aug 2020)
Tax Bill	$4,345 (2022)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`057043A H 01100`

Property Details

APN / Parcel Number

Primary APN	`057043A H 01100`
Alternative APN	`043A H 01100`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,160 sqft Living Area
1st Floor Area	2,350 sqft
Upper Floors Area	810 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick
Lot Area	20,125 sqft (0.462 acres)
Lot Dimensions	175 ft deep x 115 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	555 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	95 EMERALD LAKE DR
City	JACKSON
State	TN
Zip	38305-1571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: D21
Legal Subdivision	EMERALD LAKE
Legal Block	1
Legal Lot Number	111
Jurisdiction	MADISON TN
Township / Civil Division	10
Census Block Group	3
Census Block	3018
Census Tract	1607

Owner

95 Emerald Lake Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIMMONS BANK
Aug 14, 2020	Warranty Deed, Transfer · Line of Credit BANK OF JACKSON
May 28, 2019	Deed of Trust, Mortgage · Line of Credit LEADERS CU
Jan 11, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CENTENNIAL BK
Oct 3, 2017	Warranty Deed, Construction Loan · Construction Mortgage MERCHANTS & PLANTERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on File
Deed Sale	Aug 14, 2020 · Amount on File
Prior Sale	Oct 3, 2017 · Amount on File
Deed Document Number	20010044
Deed Book / Page	D759 / 63
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T2161/937
Date	Jun 7, 2021
Book Page	T2161/937
Instrument	21007913

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004824
Date	Apr 29, 2019
Book Page	T2093/1434
Instrument	19004824

Lender

Name	SIMMONS BANK
Type	Bank
Address	PINE BLUFF, AR 71601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	Aug 14, 2020
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Document Number	000D759/63
Book / Page	D759 / 63
Map Reference	MB 7 PG 173
Instrument Date	Aug 4, 2020
Instrument	20010044
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,551.97
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571

Mortgage

Document Number	0020010045
Date	Aug 14, 2020
Instrument	20010045

Lender

Name	BANK OF JACKSON
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 10, 2021

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON TN
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Document Number	0000006661
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 EMERALD LAKE DR JACKSON TN 383051571, JACKSON, TN 38305-1571

Mortgage

Document Number	0000006661
Date	Jun 6, 2019
Book Page	0T2096/001461
Instrument	6661

Lender

Name	LEADERS CU
Type	Credit Union
Address	JACKSON, TN 38305

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Jun 5, 2041

Interest

Rate Type	Adjustable Rate

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON TN
Recording Date	Jan 11, 2019
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Book / Page	0T2086 / 001578
Instrument Date	Jan 7, 2019
Instrument	404
Transaction Type	Construction Loan
Record Updated	Jan 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 N SPRING DR JACKSON TN 383058116, JACKSON, TN 38305-8116

Mortgage

Document Number	0000000404
Date	Jan 11, 2019
Book Page	0T2086/001578
Instrument	404

Lender

Name	CENTENNIAL BK
Type	Bank
Address	BOLIVAR, TN 38008

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	Oct 3, 2017
Property Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571
Document Number	00D742/568
Book / Page	D742 / 568
Map Reference	MB 7 PG 173
Instrument Date	Sep 27, 2017
Instrument	17011513
Transaction Type	Construction Loan
Record Updated	Jun 17, 2022

Transaction

Amount	Amount on Record
Tax	$148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 EMERALD LAKE DR, JACKSON, TN 38305-1571

Mortgage

Document Number	0017011514
Date	Oct 3, 2017
Instrument	17011514

Lender

Name	MERCHANTS & PLANTERS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 27, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Madison County
Municipality	Jackson City
Unified School District	Jackson-Madison County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$124,925 Land $15,000 Building $109,925
2023		$124,925 Land $15,000 Building $109,925
2022	$4,345.00		$499,700 Land $60,000 Building $439,700

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 95 Emerald Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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	1 in force

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 95 Emerald Lake Dr 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 99.1% of the US · lower than 99.2% 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	JACKSON WATER SYSTEM serves 91,111 people · EPA ID TN0000299
Water Source	Groundwater
Lead	Under 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
EPlus Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Aeneas Communications.

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