Clay County, TN Property Records
Property records in Clay, Tennessee, document ownership and interests in real estate within Clay County. These records typically include deeds, mortgages, plats, liens, easements, and related instruments, as well as assessment and parcel information used for taxation. They are useful for confirming property ownership, researching sales history, verifying legal descriptions, reviewing encumbrances, and supporting real estate transactions, estate matters, or land-use research.
Official Clay property records are maintained primarily by the Clay County Register of Deeds, while assessment and tax-related information may be available through the county assessor or trustee. Users can access recorded land documents and office information through the county’s official government resources, including the Clay County Register of Deeds page for official property records.
Clay County, TN Property Records & Statistics
Clay County is among the more affordable markets in Tennessee. The median rent is $579, well below the state's $763 and the national $840.25, and the median home value of $131,150 trails Tennessee's $161,600 and the national $173,750.
The median property tax rate is 0.52%, matching the state figure of 0.52% and sitting under the national 0.74%. With lower home values, the dollar amount of taxes on a typical property is modest compared with much of the country.
Income is lower than average. The median household income is $46,055, compared with $55,242 across Tennessee and $65,108 nationally. Even so, the job market looks healthy, with an unemployment rate of 2.33%, below the state's 2.75% and the national 2.87%.
About 23.09% of occupied housing is renter-occupied, slightly above the state's 21.85% and the national 21.81%, so renting is a bit more common here than in a typical Tennessee county.
Overall, the data shows a low-cost housing market with state-level tax rates, lower incomes, and relatively low unemployment.
Median Rent
Median Property Tax Rate
Median Home Value
Median Income
Unemployment Rate
Renter Occupied Housing
Property Records, Assessments, and Valuations in Clay
Clay County property records include tax assessments, recorded deeds and mortgages, valuation data, and foreclosure filings. The county has 7,202 total parcels, including 5,806 residential and 232 commercial parcels, with tax records covering 84.75% of the population for the 2024 assessment year. Recorded documents include 13,091 deeds and 4,811 mortgages, and valuation data is available for 2,175 properties.
| Key Data | Details |
|---|---|
| Total Parcels | 7,202 |
| Residential Parcels | 5,806 |
| Commercial Parcels | 232 |
| Tax Record Coverage | 84.75% |
| Assessment Year | 2024 |
| Deed Records | 13,091 |
| Mortgage Records | 4,811 |
| Properties with Valuation Data | 2,175 |
| Latest Valuation Update | August 19, 2025 |
| Notice of Trustee Sale Records | 105 |
Assignment and Release Records
Assignment and release records show how a mortgage moves after it is recorded. An assignment transfers the loan to a new lender or servicer, and a release shows the loan has been paid off and the lien removed.
Clay County has 5,963 assignment and release records, including 359 assignment documents, 5,601 release documents, and 3 other documents. Assignments were recorded from January 8, 2005, to August 1, 2025, and releases from January 3, 2005, to August 29, 2025.
For property research, they help confirm who holds a mortgage today and whether older loans were cleared. A buyer or title researcher can use them to catch a lien that was never released before a sale or refinance.
How to Search Clay County, TN Property Records
Property information for Clay County comes from two kinds of sources: the state's assessment system, which covers the county's 7,202 parcels, and the county Register of Deeds, which records deeds, mortgages, and related documents.
For ownership, appraisal, and assessment details, use the Tennessee Property Assessment Data (TPAD) search maintained by the state Comptroller. Select Clay County and search by address, owner name, or parcel number to see the parcel record.
For recorded deeds and mortgages, check the Clay County government website to find the Register of Deeds and ask how to request copies. Recorded deeds in the county go back to January 3, 1989, and mortgages to January 6, 2005.
Gather the address, owner name, or parcel number before you start, search with the most complete information, and open the matching record. If you cannot find a document online, contact the county's offices directly through the county website.
Clay County Property Records FAQ
How can I search Clay County property records by address?
Go to the Tennessee Property Assessment Data (TPAD) search, choose Clay County, and enter the street address. The parcel and its assessment details will appear. If the address is not found, try a shorter form or search by owner name instead.
How can I find property owners in Clay County?
The TPAD search shows the owner linked to each parcel, and you can search by name or address. To see the recorded deed behind a transfer, contact the Clay County Register of Deeds through the Clay County website. Deeds are recorded in the county from January 3, 1989.
How can I check a property's assessed value in Clay County?
Look up the parcel in the TPAD search to view appraised and assessed values. Clay County's records currently reflect the 2024 assessment year. For questions about how a value was set or how to appeal it, contact the county's assessor of property.
Where can I find Clay County property tax bills and payment records?
Tennessee counties collect property taxes through the county Trustee. Reach the Clay County Trustee's office through the Clay County website for bills, balances, and payment options. Keep the parcel number or property address available when you contact the office.
How can I find deeds and other recorded documents in Clay County?
Deeds, mortgages, and other recorded documents are kept by the county Register of Deeds. Use the Clay County website to find the office and ask how to search or request copies. County records include 13,091 deeds and 4,811 mortgages.
Where can I access Clay County parcel maps and GIS information?
Parcel information for Clay County's 7,202 parcels is available through the TPAD search. The Clay County website can direct you to any additional mapping offered locally. Parcel maps are a reference and do not replace a boundary survey.
How can I check permits and zoning information in Clay County?
Permits and zoning are handled by local government and can differ between a town and the unincorporated county. Use the Clay County website to find the right office, and confirm a parcel's zoning and permit requirements before starting construction or changing a property's use.
How can I create a list of property owners in Clay County?
Online search tools are built for individual properties. You can look up parcels one by one in the TPAD search. For a larger list, contact the Clay County offices through the county website and ask what records can be provided.