Polk County property record for 972 Postelle Rd, Copperhill, TN 37317
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,040 sqft · built 2002 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,000 (Feb 2023) |
| Tax Bill | $958 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 070115 01118 |
| Primary APN | 070115 01118 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 520 sqft |
| Attic Area | 520 sqft |
| Basement Area | 520 sqft |
| Finished Basement | 520 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 72,310 sqft (1.66 acres) |
| Terrain | Rolling |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 364 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 972 POSTELLE RD |
|---|---|
| City | COPPERHILL |
| State | TN |
| Zip | 37317-5482 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 03, COUNTY AREA: G01 |
| Jurisdiction | POLK TN |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950400 |
Source: Polk County records · APN 070115 01118
Assessment roll updated May 20, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 121 S RIDGE DR, COPPERHILL, TN 37317-5400 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Sep 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Feb 21, 2023 | Special Warranty Deed, Transfer |
| Jul 25, 2022 | Trustee's Deed, Foreclosure |
| Nov 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Feb 20, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 10, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 21, 2023 · Amount on Record |
| Deed Sale | Feb 21, 2023 · Amount on Record |
| Prior Sale | Jul 25, 2022 · Amount on Record |
| Deed Document Number | 23000437 |
| Deed Book / Page | WD346 / 259 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 121 S RIDGE DR, COPPERHILL, TN 37317-5400 |
| Document Number | 000004/141 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 4/141 |
| Instrument | 25003218 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | PO BOX 670, BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 121 S RIDGE DR, COPPERHILL, TN 37317-5400 |
| Document Number | 0TD581/412 |
|---|---|
| Date | Sep 25, 2023 |
| Book Page | TD581/412 |
| Instrument | 23002244 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2038 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK TN |
| Recording Date | Feb 21, 2023 |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Document Number | 0WD346/259 |
| Book / Page | WD346 / 259 |
| Map Reference | MB 14 PG 90 |
| Instrument Date | Feb 08, 2023 |
| Instrument | 23000437 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $451.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 121 S RIDGE DR, COPPERHILL, TN 37317-5400 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK TN |
| Recording Date | Jul 25, 2022 |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Document Number | 0WD341/358 |
| Book / Page | WD341 / 358 |
| Map Reference | MB 14 PG 90 |
| Instrument Date | Jul 18, 2022 |
| Instrument | 22002242 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $448.63 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | TD518/089 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | TD518/089 |
| Instrument | 19002545 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK TN |
| Recording Date | Feb 20, 2020 |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Document Number | 0000000367 |
| Book / Page | 000321 / 000041 |
| Instrument Date | Feb 15, 2020 |
| Instrument | 367 |
| Transaction Type | Transfer |
| Record Updated | Mar 04, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 972 POSTELLE RD COPPERHILL TN 373175482, COPPERHILL, TN 37317-5482 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK TN |
| Recording Date | Jul 10, 2017 |
| Property Address | 972 POSTELLE RD, COPPERHILL, TN 37317-5482 |
| Document Number | WD304/083 |
| Book / Page | WD304 / 083 |
| Map Reference | MB 14 PG 90 |
| Instrument Date | Jul 07, 2017 |
| Instrument | 17001464 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | TD490/054 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | TD490/054 |
| Instrument | 17001465 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 7054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Polk County records · Assessment roll updated May 20, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Polk County |
| Municipality | Ducktown City |
| Unified School District | Polk County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $958.00 (+0.1%) | $41,975 (-) Land $7,300 Building $34,675 | |
| 2024 | $957.00 | $41,975 (-) Land $7,300 Building $34,675 | |
| 2023 | $957.00 (+4.59%) | $41,975 (+51.95%) Land $7,300 Building $34,675 | $167,900 (+51.95%) Land $29,200 Building $138,700 |
| 2022 | $915.00 | $27,625 Land $6,975 Building $20,650 | $110,500 Land $27,900 Building $82,600 |
Source: FEMA National Flood Hazard Layer as of May 18, 2009 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | High above 74% of the US · above 97.1% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ellijay Telephone Company Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: Verizon, Xfinity.
Based on FCC filings for 85 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COPPER BASIN UTILITY DISTRICT serves 2,710 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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