995 Normandy Rd, Normandy, TN 37360 Property Records

Bedford County property record for 995 Normandy Rd, Normandy, TN 37360

Property Summary

Property Type	Rural Home
Details	8 ba · 5,765 sqft · built 1995
Lot Size	40.3 acres (1,758,953 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Oct 2011)
Tax Bill	$4,746 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002095 01907`

Property Details

APN / Parcel Number

Primary APN	`002095 01907`
Alternative APN	`095 01907`

Interior

Full Baths	8 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	26 Plumbing Fixtures
Stories	2 Stories
Building Area	5,765 sqft Living Area
1st Floor Area	4,061 sqft
Upper Floors Area	1,704 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2019
Exterior Material	Stone
Lot Area	1,758,953 sqft (40.3 acres)
Terrain	Mountain
Garage Type	Finished
Garage Area	779 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	989 sqft
Patio Area	456 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	995 NORMANDY RD
City	NORMANDY
State	TN
Zip	37360-3149
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 25 GB BK-9 PG-317 12/8/11, COUNTY AREA: H05
Jurisdiction	BEDFORD TN
Township / Civil Division	5
Census Block Group	2
Census Block	2033
Census Tract	950800

Owner

Source: Bedford County records, as of December 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	995 NORMANDY RD, NORMANDY, TN 37360-3149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
Jul 17, 2020	Deed of Trust, Mortgage SMARTBANK
Apr 25, 2018	Trustee's Deed, Construction Loan · Line of Credit SOUTHERN CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2011 · Amount on Record
Deed Sale	Oct 3, 2011 · Amount on Record
Prior Sale	Jun 20, 2003 · Amount on Record
Deed Document Number	11004766
Deed Book / Page	D306 / 553
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD TN
Property Address	995 NORMANDY RD, NORMANDY, TN 37360-3149
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD1002181
Date	Apr 8, 2021
Book Page	TD1002/181
Instrument	21002987

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD TN
Property Address	995 NORMANDY RD, NORMANDY, TN 37360-3149
Document Number	D5476
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	995 NORMANDY RD NORMANDY TN 373603149, NORMANDY, TN 37360-3149

Mortgage

Document Number	D5476
Date	Jul 23, 2020
Book Page	000969/000884
Instrument	5476

Lender

Name	SMARTBANK
Type	Bank
Address	PO BOX 1910, PIGEON FORGE, TN 37868-1910

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BEDFORD TN
Recording Date	Apr 25, 2018
Property Address	995 NORMANDY RD, NORMANDY, TN 37360-3149
Book / Page	000903 / 000805
Instrument Date	Apr 13, 2018
Instrument	2701
Transaction Type	Construction Loan
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	995 NORMANDY RD NORMANDY TN 373603149, NORMANDY, TN 37360-3149

Mortgage

Document Number	D2701
Date	Apr 25, 2018
Book Page	000903/000805
Instrument	2701

Lender

Name	SOUTHERN CMNTY BK
Type	Bank
Address	1400 N JACKSON ST, TULLAHOMA, TN 37388-2342

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 24, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of May 20, 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	$4,746.00 Additional exemption filed	$204,100 (-) Land $17,050 Building $187,050
2023		$204,100 Land $17,050 Building $187,050
2021			$919,400 Land $171,200 Building $748,200

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 August 2, 2007 · 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	1 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	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	BEDFORD COUNTY U.D. serves 23,641 people · EPA ID TN0000517
Water Source	Surface water
Last State Inspection	May 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorine dioxide resolved · Aug 2023 Treatment failure resolved · Apr 2023 Haloacetic acids resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
United Communications Fixed Wireless	60 / 8

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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