104 Cherry St, Athens, TN 37303 Property Records

McMinn County property record for 104 Cherry St, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,564 sqft · built 2008
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Sep 2024)
Tax Bill	$1,157 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jun 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054057 11405`

Property Details

APN / Parcel Number

Primary APN	`054057 11405`
Alternative APNs	`057 11405 00002057` `057 11405`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,564 sqft Living Area
1st Floor Area	1,564 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	66,647 sqft (1.53 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	057 11405 00002057
Street Address	104 CHERRY ST
City	ATHENS
State	TN
Zip	37303-7401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02 WYXI RADIO, COUNTY AREA: D01
Legal Subdivision	ESTATE/ROY A BROWN
Legal Lot Number	4 5
Jurisdiction	MCMINN TN
Township / Civil Division	3
Census Block Group	1
Census Block	1002
Census Tract	970401

Owner

104 Cherry St is owned and occupied by an individual who bought it in September 2024.

Source: McMinn County records, as of February 4, 2026

Owner of Record	Individual Name on File
Mailing Address	104 CHERRY ST, ATHENS, TN 37303-7401
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
Sep 30, 2024	Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS NATIONAL BANK
Jun 14, 2024	Warranty Deed, Transfer ALLEN TITLE SERVICES LLC, VALLEY TITLE SERVICES LLC
Jun 30, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2024 · Amount on File
Deed Sale	Sep 30, 2024 · Amount on File
Prior Sale	Jun 14, 2024 · Amount on File
Deed Document Number	000024I121
Deed Book / Page	24I / 121
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Sep 30, 2024
Property Address	104 CHERRY ST, ATHENS, TN 37303-7401
Document Number	000024I121
Book / Page	24I / 121
Instrument Date	Sep 30, 2024
Instrument	258741
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 CHERRY ST, ATHENS, TN 37303-7401

Mortgage

Document Number	0001357645
Date	Sep 30, 2024
Book Page	1357/645
Instrument	258742

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	200 W COURT ST, DYERSBURG, TN 38024

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jun 14, 2024
Property Address	104 CHERRY ST, ATHENS, TN 37303-7401
Document Number	000024E334
Book / Page	24E / 334
Map Reference	CAB F SL 77
Instrument Date	Jun 13, 2024
Instrument	256134
Transaction Type	Transfer
Record Updated	Feb 5, 2026
Title Company	ALLEN TITLE SERVICES LLC, VALLEY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$703.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 COUNTY ROAD 550, ENGLEWOOD, TN 37329-5182

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jun 30, 2022
Property Address	104 CHERRY ST, ATHENS, TN 37303-7401
Document Number	0000023F26
Book / Page	23F / 26
Instrument Date	Jun 30, 2022
Instrument	237867
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Amount	Amount on Record
Tax	$55.50
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 1390, ATHENS, TN 37371-1390

Tax Assessment & Valuation

The 2025 property tax bill for 104 Cherry St was $1,157, down 37.5% from the year before.

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	$1,157.00 (-37.49%)	$55,350 (-37.5%) Land $5,700 Building $49,650
2024	$1,851.00 (-12.65%)	$88,560 (-12.66%) Land $9,120 Building $79,440
2023	$2,119.00 (+4.85%)	$101,400 (+45.27%) Land $21,960 Building $79,440	$221,400 (+26.88%) Land $22,800 Building $198,600
2022	$2,021.00	$69,800 Land $17,360 Building $52,440	$174,500 Land $43,400 Building $131,100

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

FEMA maps place 104 Cherry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1994–2003)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 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

Wildfire risk around 104 Cherry St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 45 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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