950 Stella Rd, Prospect, TN 38477 Property Records

Giles County property record for 950 Stella Rd, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,098 sqft · built 1900
Lot Size	7.07 acres (307,969 sqft)
Owner	Individual Name on Record
Tax Bill	$1,096 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028145 01000`

Property Details

APN / Parcel Number

Primary APN	`028145 01000`
Alternative APN	`145 01000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,098 sqft Living Area
1st Floor Area	1,889 sqft
Upper Floors Area	697 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	307,969 sqft (7.07 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	950 STELLA RD
City	PROSPECT
State	TN
Zip	38477-6559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: R01
Jurisdiction	GILES TN
Township / Civil Division	1
Census Block Group	1
Census Block	1039
Census Tract	920700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	950 STELLA RD, PROSPECT, TN 38477-6559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Intrafamily Transfer, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 9, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021
Deed Sale	Oct 13, 2021
Prior Sale	May 9, 2019 · Amount on Record
Deed Document Number	2021134881
Deed Book / Page	392 / 666
Prior Transfer Date	Apr 14, 2021
Prior Transfer Doc	0000134881
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GILES TN
Recording Date	Oct 13, 2021
Property Address	950 STELLA RD, PROSPECT, TN 38477-6559
Document Number	0000134881
Book / Page	D392 / 666
Instrument Date	Apr 14, 2021
Instrument	21134881
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	950 STELLA RD, PROSPECT, TN 38477-6559

Mortgage

Document Number	0000134882
Date	Oct 13, 2021
Instrument	21134882

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GILES TN
Recording Date	May 9, 2019
Property Address	950 STELLA RD, PROSPECT, TN 38477-6559
Document Number	0000121671
Book / Page	000380 / 000597
Instrument Date	May 3, 2019
Instrument	121671
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	FOUNDATION TITLE AND ESCROW SERI, FOUNDATION TITLE & ESCROW SERI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$425.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 STELLA RD PROSPECT TN 384776559, PROSPECT, TN 38477-6559

Mortgage

Document Number	121672
Date	May 9, 2019
Book Page	000580/000908
Instrument	121672

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,096.00 (+16.1%)	$47,550 (-) Land $17,700 Building $29,850
2024	$944.00	$47,550 (-) Land $17,700 Building $29,850
2023	$944.00	$47,550 (-) Land $17,700 Building $29,850
2022	$944.00	$47,550 Land $17,700 Building $29,850	$190,200 Land $70,800 Building $119,400

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

Source: FEMA National Flood Hazard Layer, effective August 30, 2017 · 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	4 (2004–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2020 · other causes

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

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	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	MINOR HILL WATER UTILITY DISTRICT serves 8,364 people · EPA ID TN0000469
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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