Montgomery County property record for 978 Red Bluff Way, Adams, TN 37010
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,762 sqft · built 2020 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Jul 2017) |
| Tax Bill | $5,421 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit May 2018 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58M D 36.00 |
| Primary APN | 58M D 36.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,762 sqft Living Area |
| 1st Floor Area | 2,515 sqft |
| Upper Floors Area | 1,247 sqft |
| Basement Area | 2,777 sqft |
| Unfinished Basement | 2,777 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 48,352 sqft (1.11 acres) |
| Garage Type | Attached |
| Garage Area | 725 sqft |
| Porch | Slab |
| Porch Area | 1,155 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 978 RED BLUFF WAY |
|---|---|
| City | ADAMS |
| State | TN |
| Zip | 37010-2502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E-1A |
| Legal Description | SUBDIVISION: BLUFF AT BRADBURY FARMS LOT:21 PLAT BOOK: F PLAT PAGE: 1133 SPLIT OFF 58-12.04 T-13 |
| Legal Subdivision | BLUFF AT BRADBURY |
| Legal Lot Number | 21 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 101807 |
978 Red Bluff Way is owned and occupied by an individual who bought it in July 2017.
Source: Montgomery County records, as of May 5, 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 File |
|---|---|
| Mailing Address | 978 RED BLUFF WAY, ADAMS, TN 37010-2502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Line of Credit F & M BANK |
| May 31, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage F&M BK |
| Jul 31, 2017 | Warranty Deed, Transfer FREEDOM TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on File |
| Deed Sale | Jul 31, 2017 · Amount on File |
| Deed Document Number | 20171131305 |
| Deed Book / Page | 1756 / 2440 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 978 RED BLUFF WAY, ADAMS, TN 37010-2502 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 978 RED BLUFF WAY, ADAMS, TN 37010-2502 |
| Document Number | 02153/2729 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 2153/2729 |
| Instrument | 1347087 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | May 31, 2018 |
| Property Address | 978 RED BLUFF WAY, ADAMS, TN 37010-2502 |
| Book / Page | 001814 / 001148 |
| Instrument Date | May 30, 2018 |
| Instrument | 1166449 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 14, 2020 |
| Title Company | FREEDOM TITLE SERVICES, FREEDOM TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 1109 DRAKES COVE RD N ADAMS TN 370108036, ADAMS, TN 37010-8036 |
| Document Number | 0001166449 |
|---|---|
| Date | May 31, 2018 |
| Book Page | 001814/001148 |
| Instrument | 1166449 |
| Name | F&M BK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 30, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jul 31, 2017 |
| Property Address | 978 RED BLUFF WAY, ADAMS, TN 37010-2502 |
| Document Number | 0001131305 |
| Book / Page | 001756 / 002440 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 1131305 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2017 |
| Title Company | FREEDOM TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $277.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1109 DRAKES COVE RD N ADAMS TN 370108036, ADAMS, TN 37010-8036 |
The 2025 property tax bill for 978 Red Bluff Way was $5,421.
Source: Montgomery County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,421.00 | $258,150 (-) | $1,032,600 (-) Land $125,000 Building $907,600 |
| 2024 | $5,421.00 (+1.82%) | $258,150 (+50.79%) | $1,032,600 Land $125,000 Building $907,600 |
| 2023 | $5,324.00 (+4%) | $171,200 (-) | |
| 2022 | $5,119.00 | $171,200 | $684,800 Land $75,000 Building $609,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 978 Red Bluff Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 risk around 978 Red Bluff Way is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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