997 Mill Rd, Moss, TN 38575 Property Records

Clay County property record for 997 Mill Rd, Moss, TN 38575

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,176 sqft · built 1988
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Apr 2022)
Tax Bill	$765 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014029 05601`

Property Details

APN / Parcel Number

Primary APN	`014029 05601`
Alternative APN	`029 05601`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	60,984 sqft (1.4 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	2,012 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	336 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	997 MILL RD
City	MOSS
State	TN
Zip	38575-6515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: R01
Jurisdiction	CLAY TN
Township / Civil Division	1
Census Block Group	3
Census Block	3030
Census Tract	955000

Owner

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

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	997 MILL RD, MOSS, TN 38575-6515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK & TRUST OF THE CUMBERLANDS
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MACON BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Nov 6, 2014 · Amount on Record
Deed Document Number	22000445
Deed Book / Page	WD120 / 75
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Property Address	997 MILL RD, MOSS, TN 38575-6515
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00TD159/47
Date	Sep 1, 2020
Book Page	TD159/47
Instrument	20001032

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBERLANDS
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Property Address	997 MILL RD, MOSS, TN 38575-6515
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 MILL RD, MOSS, TN 38575-6515

Mortgage

Document Number	0TD166/149
Date	Sep 9, 2021
Book Page	TD166/149
Instrument	21001296

Lender

Name	CITIZENS BANK
Type	Bank
Address	CELINA, TN 38551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 7, 2031

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY TN
Recording Date	Apr 1, 2022
Property Address	997 MILL RD, MOSS, TN 38575-6515
Document Number	00WD120/75
Book / Page	WD120 / 75
Instrument Date	Apr 1, 2022
Instrument	22000445
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 MILL RD, MOSS, TN 38575-6515

Mortgage

Document Number	0022000446
Date	Apr 1, 2022
Instrument	22000446

Lender

Name	MACON BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$765.00	$29,425 (-) Land $1,950 Building $27,475
2023		$29,425 (-) Land $1,950 Building $27,475
2022	$765.00	$29,425 Land $1,950 Building $27,475	$117,700 Land $7,800 Building $109,900

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 September 29, 2010 · 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	4 in force
Nearby Flood Claims	2 (2010–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2025 · rainfall accumulation

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHWEST CLAY COUNTY UTILITY serves 4,437 people · EPA ID TN0000573
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Oct 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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)
Twin Lakes Telephone Cooperative Fiber	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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