970 Cortner Rd, Normandy, TN 37360 Property Records

Bedford County property record for 970 Cortner Rd, Normandy, TN 37360

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,902 sqft · built 2021
Lot Size	5.5 acres (239,580 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (May 2021)
Tax Bill	$3,531 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002092 04303`

Property Details

APN / Parcel Number

Primary APN	`002092 04303`
Alternative APN	`092 04303`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,902 sqft Living Area
1st Floor Area	2,684 sqft
Upper Floors Area	725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Lot Area	239,580 sqft (5.5 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	751 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	970 CORTNER RD
City	NORMANDY
State	TN
Zip	37360-9050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: H05
Legal Subdivision	CORTNER VILLAGE
Legal Lot Number	4
Jurisdiction	BEDFORD TN
Township / Civil Division	5
Census Block Group	1
Census Block	1073
Census Tract	950700

Owner

970 Cortner Rd is owned and occupied by two individuals who bought it in May 2021.

Source: Bedford County records, as of December 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	970 CORTNER RD, NORMANDY, TN 37360-9050
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
May 12, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage F & M BANK
Apr 30, 2021	Intrafamily Transfer, Transfer TUTEN TITLE AND ESCROW LLC, UPTOWN TITLE & ESCROW LLC
Jun 15, 2020	Deed of Trust, Construction Loan · Construction Mortgage SOUTHERN BK/TN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Deed Document Number	20214136
Deed Book / Page	364 / 783
Prior Transfer Date	Apr 22, 2021
Prior Transfer Doc	D3747
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	May 12, 2021
Property Address	970 CORTNER RD, NORMANDY, TN 37360-9050
Document Number	000D364783
Book / Page	D364 / 783
Map Reference	MB PLE2 PG 309
Instrument Date	May 7, 2021
Instrument	21004136
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2022
Title Company	TUTEN TITLE AND ESCROW LLC, UPTOWN TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CORTNER RD, NORMANDY, TN 37360-9050

Mortgage

Document Number	0021004137
Date	May 12, 2021
Instrument	21004137

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD TN
Recording Date	Apr 30, 2021
Property Address	970 CORTNER RD, NORMANDY, TN 37360-9050
Document Number	000D364504
Book / Page	D364 / 504
Map Reference	MB PLE2 PG 309
Instrument Date	Apr 22, 2021
Instrument	21003747
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	TUTEN TITLE AND ESCROW LLC, UPTOWN TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 2ND AVE, MURFREESBORO, TN 37130-4413

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	BEDFORD TN
Recording Date	Jun 15, 2020
Property Address	970 CORTNER RD, NORMANDY, TN 37360-9050
Document Number	D4412
Book / Page	000965 / 000766
Instrument Date	Jun 10, 2020
Instrument	4412
Transaction Type	Construction Loan
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 2ND AVE MURFREESBORO TN 37130, MURFREESBORO, TN 37130

Mortgage

Document Number	D4412
Date	Jun 15, 2020
Book Page	000965/000766
Instrument	4412

Lender

Name	SOUTHERN BK/TN
Type	Bank
Address	MOUNT JULIET, TN 37122

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 14, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 970 Cortner Rd was $3,531.

Source: Bedford County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,531.00	$151,850 Land $14,400 Building $137,450
2023		$145,625 Land $14,400 Building $131,225
2021			$607,400 Land $57,600 Building $549,800

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 970 Cortner Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 2007

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

Wildfire risk around 970 Cortner Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
United Communications Fixed Wireless · Fiber in parts of the area	60 / 8
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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