1012 E Madison Ave, Athens, TN 37303 Property Records

McMinn County property record for 1012 E Madison Ave, Athens, TN 37303

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 1,432 sqft · built 1952
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Mar 2021)
Tax Bill	$446 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054057H C 06800`

Property Details

APN / Parcel Number

Primary APN	`054057H C 06800`
Alternative APNs	`057H C 06800 00002057H` `057H C 06800`

Interior

Full Baths	0.5 Baths
Stories	1 Story
Building Area	1,432 sqft Total Area
1st Floor Area	1,320 sqft
Flooring	Concrete/Cement
Interior Walls	Paneling

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1966
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Terrain	Rolling
Canopy	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	057H C 06800 00002057H
Street Address	1012 E MADISON AVE
City	ATHENS
State	TN
Zip	37303-3862
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	B-1
Legal Description	DISTRICT: 02 02 054K D 054K 01300 000, COUNTY AREA: D01
Legal Subdivision	CHILHOWEE 2
Legal Block	A
Legal Lot Number	17 18 2
Jurisdiction	MCMINN TN
Township / Civil Division	2
Census Block Group	3
Census Block	3013
Census Tract	970300

Owner

Source: McMinn County records, as of February 4, 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	PO BOX 2081, CLEVELAND, TN 37320-2081
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Warranty Deed, Transfer · Commercial Mortgage CAPSTAR BANK
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage ATHENS FED'L CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	223403
Deed Book / Page	22O / 407
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Mar 24, 2021
Property Address	1012 E MADISON AVE, ATHENS, TN 37303-3862
Document Number	000022O407
Book / Page	22O / 407
Map Reference	MB 1 PG 56
Instrument Date	Mar 15, 2021
Instrument	223403
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	REALTY TITLE SERVICES/NE, REALTY T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8081, CLEVELAND, TN 37320-8081

Mortgage

Document Number	0000223404
Date	Mar 24, 2021
Instrument	223404

Lender

Name	CAPSTAR BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jul 3, 2018
Property Address	1012 E MADISON AVE, ATHENS, TN 37303-3862
Document Number	21M896
Book / Page	00021M / 000896
Instrument Date	Jul 2, 2018
Instrument	198861
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	KELTY TITLE AND ESCROW SERVICES INC, REALTY TITLE & ESCROW SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 GANSEVOORT BLVD STATEN ISLAND NY 103145256, STATEN ISLAND, NY 10314-5256

Mortgage

Document Number	1146478
Date	Jul 3, 2018
Book Page	001146/000478
Instrument	198862

Lender

Name	ATHENS FED'L CMNTY BK
Type	Bank
Address	ATHENS, TN 37371-0869

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Athens City
County	McMinn County
Elementary School District	Athens City Schools (PK - 08)
Secondary School District	McMinn County School District in Athens (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$446.00	$21,360 (-) Land $4,760 Building $16,600
2024	$446.00	$21,360 (-) Land $4,760 Building $16,600
2023	$446.00 (-16.95%)	$21,360 (+15.09%) Land $4,760 Building $16,600	$53,400 (+15.09%) Land $11,900 Building $41,500
2022	$537.00	$18,560 Land $6,120 Building $12,440	$46,400 Land $15,300 Building $31,100

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 November 27, 2025 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1994–2003)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 2 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 2 claims

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	Indirect within ember reach

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	ATHENS UTILITIES BOARD serves 26,424 people · EPA ID TN0000024
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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