975 Cherry Rd, Eads, TN 38028 Property Records

Fayette County property record for 975 Cherry Rd, Eads, TN 38028

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,881 sqft · built 1987
Lot Size	6.07 acres (264,409 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Jun 2019)
Tax Bill	$777 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`024084 00501`

Property Details

APN / Parcel Number

Primary APN	`024084 00501`
Alternative APN	`084 00501`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,881 sqft Living Area
1st Floor Area	1,881 sqft
Basement Area	644 sqft
Unfinished Basement	644 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	264,409 sqft (6.07 acres)
Terrain	Rolling

Exterior Amenities

Deck Area	467 sqft
Patio Area	368 sqft
Shed	1 Shed
Shed Area	105 sqft
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	975 CHERRY RD
City	EADS
State	TN
Zip	38028-3175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALVIN STEWARD SUBD 4
Legal Subdivision	CALVIN STEWARD SUBD
Legal Lot Number	4
Jurisdiction	FAYETTE TN
Township / Civil Division	8
Census Block Group	2
Census Block	2026
Census Tract	60401

Owner

Source: Fayette County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	975 CHERRY RD, EADS, TN 38028-3175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jun 6, 2019	Warranty Deed, Transfer · FHA Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on Record
Deed Sale	Jun 6, 2019 · Amount on Record
Deed Document Number	19003334
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Property Address	975 CHERRY RD, EADS, TN 38028-3175
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	LOYAL TITLE, LOCAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004003
Date	Apr 30, 2021
Instrument	21004003

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Jun 6, 2019
Property Address	975 CHERRY RD, EADS, TN 38028-3175
Document Number	0000003334
Instrument Date	Jun 4, 2019
Instrument	19003334
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ERICKSON TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 CHERRY RD, EADS, TN 38028-3175
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003335
Date	Jun 6, 2019
Instrument	19003335

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$777.00	$83,450 (+36.97%) Land $39,200 Building $44,250	$333,800 (+36.97%) Land $156,800 Building $177,000
2023		$60,925 Land $29,200 Building $31,725
2021			$243,700 Land $116,800 Building $126,900

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 July 31, 2025 · 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

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	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OAKLAND WATER DEPT serves 15,443 people · EPA ID TN0000521
Water Source	Groundwater
Last State Inspection	Apr 2024
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	3 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Aeneas Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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