103 Cunningham Dr, Athens, TN 37303 Property Records

McMinn County property record for 103 Cunningham Dr, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,580 sqft · built 1996
Lot Size	0.378 acres (16,485 sqft)
Owner	Owner Name on Record
Last Sale	$117,000 (Aug 2001)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054047F A 01500`

Property Details

APN / Parcel Number

Primary APN	`054047F A 01500`
Alternative APNs	`047F A 01500 00002047K` `047F A 01500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	1,580 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,485 sqft
Lot Dimensions	210 ft deep x 78 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	132 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	047F A 01500 00002047K
Street Address	103 CUNNINGHAM DR
City	ATHENS
State	TN
Zip	37303-1681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02 02 045I B 045I 01500 000, COUNTY AREA: D01
Legal Subdivision	CUNNINGHAM ADD
Legal Lot Number	17 2
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2135
Census Tract	970102

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	Owner Name on Record
Mailing Address	103 CUNNINGHAM DR, ATHENS, TN 37303-1681
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit BOWATER EMPLOYEES CU
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOWATER EMPLOYEES CU
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2001 · Amount on Record
Deed Sale	Aug 14, 2001 · Amount on Record
Prior Sale	Jun 27, 1996 · Amount on Record
Deed Document Number	000015U388
Deed Book / Page	15U / 388
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	103 CUNNINGHAM DR, ATHENS, TN 37303-1681
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001293915
Date	Sep 9, 2022
Book Page	1293/915
Instrument	239957

Lender

Name	BOWATER EMPLOYEES CU
Type	Credit Union
Address	CALHOUN, TN 37309

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	103 CUNNINGHAM DR, ATHENS, TN 37303-1681
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1229574
Date	Mar 3, 2021
Book Page	1229/574
Instrument	222725

Lender

Name	BOWATER EMPLOYEES CU
Type	Credit Union
Address	CALHOUN, TN 37309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	103 CUNNINGHAM DR, ATHENS, TN 37303-1681
Document Number	1167271
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CUNNINGHAM DR ATHENS TN 373031681, ATHENS, TN 37303-1681

Mortgage

Document Number	1167271
Date	May 7, 2019
Book Page	001167/000271
Instrument	205853

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,271.00	$60,825 (-) Land $6,000 Building $54,825
2024	$1,271.00	$60,825 (-) Land $6,000 Building $54,825
2023	$1,271.00 (+11%)	$60,825 (+53.7%) Land $6,000 Building $54,825	$243,300 (+53.7%) Land $24,000 Building $219,300
2022	$1,145.00	$39,575 Land $6,000 Building $33,575	$158,300 Land $24,000 Building $134,300

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
Nearby Flood Policies	2 in force

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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% 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	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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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