997 Cotton Grove Rd, Jackson, TN 38305 Property Records

Madison County property record for 997 Cotton Grove Rd, Jackson, TN 38305

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,231 sqft · built 1940
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2026)
Tax Bill	$356 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`058-064.00`

Property Details

APN / Parcel Number

Primary APN	`058-064.00`
Alternative APNs	`0405805806400` `057058 06400`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,231 sqft Living Area
1st Floor Area	1,231 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	273 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	997 COTTON GROVE RD
City	JACKSON
State	TN
Zip	38305-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: F50
Jurisdiction	MADISON TN
Township / Civil Division	8
Census Block Group	3
Census Block	3038
Census Tract	1502

Owner

Source: Madison County records, as of May 12, 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
Mailing Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADERS CREDIT UNION
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADERS CREDIT UNION
Oct 27, 2025	Warranty Deed, Construction Loan · Construction Mortgage SECURITY BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Oct 27, 2025 · Amount on Record
Deed Document Number	20264836
Deed Book / Page	796 / 1572
Transfer Doc	00D705/814
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	May 5, 2026
Property Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Document Number	0D796/1572
Book / Page	796 / 1572
Instrument Date	Apr 4, 2026
Instrument	20264836
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,082.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004837,
Date	May 5, 2026
Instrument	20264837

Lender

Name	LEADERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	May 5, 2026
Property Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Document Number	0000004836
Book / Page	796 / 1572
Instrument Date	Apr 4, 2026
Instrument	2026.4836
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,082.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004837,
Date	May 5, 2026
Instrument	2026..4837

Lender

Name	LEADERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON TN
Recording Date	Oct 27, 2025
Property Address	997 COTTON GROVE RD, JACKSON, TN 38305-8213
Document Number	0D793/1305
Book / Page	D793 / 1305
Instrument Date	Oct 21, 2025
Instrument	25012150
Transaction Type	Construction Loan
Record Updated	Nov 5, 2025

Transaction

Amount	Amount Recorded
Tax	$212.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 FITZGERALD RD APT B, B, JACKSON, TN 38301-7901
Investor	Possibly a Property Investor

Mortgage

Document Number	0025012151
Date	Oct 27, 2025
Instrument	25012151

Lender

Name	SECURITY BANK & TRUST COMPANY
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 23, 2026

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 10, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Madison County
Unified School District	Jackson-Madison County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$356.00	$19,025 (-) Land $2,750 Building $16,275	$76,100 (-) Land $11,000 Building $65,100
2024	$356.00	$19,025 (-) Land $2,750 Building $16,275
2023		$19,025 Land $2,750 Building $16,275
2022	$356.00		$76,100 Land $11,000 Building $65,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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	JACKSON WATER SYSTEM serves 91,111 people · EPA ID TN0000299
Water Source	Groundwater
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	None 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)
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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