106 Chandler Cove Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 106 Chandler Cove Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,568 sqft · built 1995
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2025)
Tax Bill	$621 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-013.05`

Property Details

APN / Parcel Number

Primary APN	`056-013.05`
Alternative APNs	`086056 01305` `000010249`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	784 sqft
Upper Floors Area	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Mansard
Roof Material	Metal
Lot Area	47,045 sqft (1.08 acres)
Terrain	Mountain

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	368 sqft
Deck Area	542 sqft
Patio Area	542 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	106 CHANDLER COVE RD
City	ERWIN
State	TN
Zip	37650-6806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY AREA: R04
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1083
Census Tract	80100

Owner

Source: Unicoi County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	106 CHANDLER COVE RD, ERWIN, TN 37650-6806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 16, 2020	Deed of Trust, Mortgage · FHA Mortgage RANLIFE
Jun 18, 2019	Warranty Deed, Transfer · FHA Mortgage RANLIFE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2025 · Amount on Record
Deed Sale	Jul 14, 2025 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	20251543
Deed Book / Page	493 / 704
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 14, 2025
Property Address	106 CHANDLER COVE RD, ERWIN, TN 37650-6806
Document Number	0000493704
Book / Page	493 / 704
Instrument Date	Jul 8, 2025
Instrument	25001543
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	CLASSIC TITLE INS CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CHANDLER COVE RD, ERWIN, TN 37650-6806

Mortgage

Document Number	0025001544
Date	Jul 14, 2025
Instrument	25001544

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	106 CHANDLER COVE RD, ERWIN, TN 37650-6806
Document Number	433612
Instrument Date	May 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	106 CHANDLER COVE RD ERWIN TN 376506806, ERWIN, TN 37650-6806

Mortgage

Document Number	433612
Date	May 27, 2020
Book Page	000433/000612
Instrument	917

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jun 18, 2019
Property Address	106 CHANDLER COVE RD, ERWIN, TN 37650-6806
Document Number	423671
Book / Page	000423 / 000671
Instrument Date	Jun 17, 2019
Instrument	1146
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	106 CHANDLER COVE RD ERWIN TN 376506806, ERWIN, TN 37650-6806

Mortgage

Document Number	423675
Date	Jun 18, 2019
Book Page	000423/000675
Instrument	1147

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Tax Assessment & Valuation

Source: Unicoi County assessment roll, as of December 3, 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	$621.00	$23,800 (-) Land $2,325 Building $21,475	$95,200 (-) Land $9,300 Building $85,900
2024	$621.00 (+11.09%)
2023		$23,800 (-) Land $2,325 Building $21,475
2022	$559.00	$23,800 Land $2,325 Building $21,475	$95,200 Land $9,300 Building $85,900

Assessed value is set for property tax purposes, not a market price estimate; it is 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	7 (2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 7 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	Moderate above 51% of the US · above 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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