100 Cross St, Erwin, TN 37650 Property Records

Unicoi County property record for 100 Cross St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,908 sqft · built 1951
Lot Size	2.26 acres (98,446 sqft)
Owner	Individual Name on Record
Last Sale	$338,900 (May 2025)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`086031J H 01000`

Property Details

APN / Parcel Number

Primary APN	`086031J H 01000`
Alternative APN	`031J H 01000`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	1,908 sqft Living Area
1st Floor Area	1,908 sqft
Basement Area	484 sqft
Finished Basement	484 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1982
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	98,446 sqft (2.26 acres)
Lot Dimensions	658 ft deep x 195 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	100 CROSS ST
City	ERWIN
State	TN
Zip	37650-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:02 SUBD:EVERGREEN MAP REF:031O
Legal Subdivision	EVERGREEN
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2033
Census Tract	80200

Owner

Source: Unicoi County records, as of January 28, 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
Co-owner	Co-owner on Record
Mailing Address	1025 ROYAL MEW CT, KNOXVILLE, TN 37922-5164
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 10, 2024	Warranty Deed, Transfer · Conventional Mortgage ENCORE LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Prior Sale	Apr 10, 2024 · Amount on Record
Deed Document Number	0000491563
Deed Book / Page	491 / 563
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	100 CROSS ST, ERWIN, TN 37650-1911
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 CROSS ST, ERWIN, TN 37650-1911

Mortgage

Document Number	0000050159
Date	Feb 25, 2026
Book Page	501/59
Instrument	26000409

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 10, 2024
Property Address	100 CROSS ST, ERWIN, TN 37650-1911
Document Number	0000479713
Book / Page	479 / 713
Instrument Date	Apr 10, 2024
Instrument	24000624
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$831.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 GAY ST, ERWIN, TN 37650-1228

Mortgage

Document Number	0000479716
Date	Apr 10, 2024
Book Page	479/716
Instrument	24000625

Lender

Name	ENCORE LENDING GROUP LLC
Type	Non-Lending Institution
Address	JOHNSON CITY, TN 37601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,341.00 (+19.09%)	$51,375 (+7.25%) Land $20,875 Building $30,500
2023		$47,900 (-) Land $17,400 Building $30,500
2022	$1,126.00	$47,900 Land $17,400 Building $30,500	$205,500 Land $83,500 Building $122,000

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 23, 2016 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · 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	Moderate above 43% of the US · above 61% of Tennessee
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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