1017 Howard St, Athens, TN 37303 Property Records

McMinn County property record for 1017 Howard St, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,846 sqft · built 1952
Lot Size	0.797 acres (34,711 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2009)
Tax Bill	$1,416 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054056F F 02200`

Property Details

APN / Parcel Number

Primary APN	`054056F F 02200`
Alternative APNs	`056F F 02200 00001056F` `056F F 02200`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,846 sqft Living Area
1st Floor Area	1,846 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,711 sqft (0.797 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	462 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1017 HOWARD ST
City	ATHENS
State	TN
Zip	37303-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 054I E 054I 02500 000, COUNTY AREA: D01
Legal Subdivision	JAMES MCSPADDEN ESTATE
Legal Lot Number	1
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2002
Census Tract	970202

Owner

1017 Howard St is owned and occupied by an individual who acquired it in March 2019.

Source: McMinn County records, as of February 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1017 HOWARD ST, ATHENS, TN 37303-3172
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Mar 25, 2019	Deed of Trust, Mortgage REGIONS MTG
Mar 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2009 · Amount on File
Deed Sale	Dec 22, 2009 · Amount on File
Prior Sale	Sep 6, 2005
Deed Book / Page	18S / 804
Last Transfer Date	Mar 8, 2019
Transfer Doc	000021T199
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	1017 HOWARD ST, ATHENS, TN 37303-3172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1112845
Date	Feb 9, 2017
Book Page	1112/845
Instrument	187222

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	1017 HOWARD ST, ATHENS, TN 37303-3172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1210223
Date	Sep 10, 2020
Book Page	1210/223
Instrument	218039

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	1017 HOWARD ST, ATHENS, TN 37303-3172
Document Number	1164183
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 HOWARD ST ATHENS TN 373033172, ATHENS, TN 37303-3172

Mortgage

Document Number	1164183
Date	Mar 29, 2019
Book Page	001164/000183
Instrument	204943

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Mar 15, 2019
Property Address	1017 HOWARD ST, ATHENS, TN 37303-3172
Document Number	21T199
Book / Page	00021T / 000199
Instrument Date	Mar 8, 2019
Instrument	204579
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 HOWARD ST ATHENS TN 373033172, ATHENS, TN 37303-3172

Tax Assessment & Valuation

The 2025 property tax bill for 1017 Howard St was $1,416.

Source: McMinn County assessment roll, as of February 5, 2026

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	$1,416.00	$67,725 (-) Land $7,225 Building $60,500
2024	$1,416.00	$67,725 (-) Land $7,225 Building $60,500
2023	$1,416.00 (+14.29%)	$67,725 (+58.14%) Land $7,225 Building $60,500	$270,900 (+58.14%) Land $28,900 Building $242,000
2022	$1,239.00	$42,825 Land $5,875 Building $36,950	$171,300 Land $23,500 Building $147,800

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

FEMA maps place 1017 Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1017 Howard St is low, with a 0.02% annual chance of 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	None beyond 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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