962 Espy Rd, Manchester, TN 37355 Property Records

Coffee County property record for 962 Espy Rd, Manchester, TN 37355

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,472 sqft · built 2012
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jul 2015)
Tax Bill	$1,183 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016017 00502`

Property Details

APN / Parcel Number

Primary APN	`016017 00502`
Alternative APN	`017 00502`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	736 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	962 ESPY RD
City	MANCHESTER
State	TN
Zip	37355-7026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: R03
Legal Subdivision	TENNESSEE VLY
Legal Lot Number	2
Jurisdiction	COFFEE TN
Township / Civil Division	9
Census Block Group	2
Census Block	2025
Census Tract	970201

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	962 ESPY RD, MANCHESTER, TN 37355-7026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Nov 9, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 9, 2017	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2015 · Amount on Record
Deed Sale	Jul 27, 2015 · Amount on Record
Prior Sale	Jan 11, 2008 · Amount on Record
Deed Document Number	15004841
Deed Book / Page	W367 / 765
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COFFEE TN
Property Address	962 ESPY RD, MANCHESTER, TN 37355-7026
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010511
Date	Oct 19, 2021
Book Page	T1169/961
Instrument	21010511

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	49556

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COFFEE TN
Property Address	962 ESPY RD, MANCHESTER, TN 37355-7026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	962 ESPY RD, MANCHESTER, TN 37355-7026

Mortgage

Document Number	0000009747
Date	Nov 9, 2020
Book Page	T1115/257
Instrument	20009747

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Sep 1, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COFFEE TN
Property Address	962 ESPY RD, MANCHESTER, TN 37355-7026
Document Number	0000005879
Book / Page	000992 / 000848
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	962 ESPY RD MANCHESTER TN 373557026, MANCHESTER, TN 37355-7026

Mortgage

Document Number	0000005879
Date	Aug 16, 2017
Book Page	000992/000848
Instrument	5879

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,183.00	$50,750 (-) Land $10,950 Building $39,800
2024	$1,183.00	$50,750 (-) Land $10,950 Building $39,800
2023	$1,183.00	$50,750 (-) Land $10,950 Building $39,800
2022	$1,183.00	$50,750 Land $10,950 Building $39,800	$203,000 Land $43,800 Building $159,200

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 May 14, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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	WEST WARREN-VIOLA U.D. serves 19,510 people · EPA ID TN0000742
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Oct 2020
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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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