106 Cunningham Dr, Athens, TN 37303 Property Records

McMinn County property record for 106 Cunningham Dr, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,250 sqft · built 1997
Lot Size	0.464 acres (20,250 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (May 2022)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054047F A 01200`

Property Details

APN / Parcel Number

Primary APN	`054047F A 01200`
Alternative APNs	`047F A 01200 00002047K` `047F A 01200`

Interior

Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,250 sqft Living Area
1st Floor Area	1,044 sqft
Upper Floors Area	1,044 sqft
Basement Area	1,044 sqft
Finished Basement	1,044 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,250 sqft
Lot Dimensions	225 ft deep x 90 ft wide
Terrain	Rolling

Exterior Amenities

Deck Area	120 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Old Parcel Number	047F A 01200 00002047K
Street Address	106 CUNNINGHAM DR
City	ATHENS
State	TN
Zip	37303-1680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02 02 045I B 045I 01100 000, COUNTY AREA: D01
Legal Subdivision	CUNNINGHAM ADD
Legal Lot Number	21 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	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	106 CUNNINGHAM DR, ATHENS, TN 37303-1680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING
May 11, 2021	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC
Jan 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage ATHENS FEDERAL

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	May 11, 2021 · Amount on Record
Deed Document Number	236377
Deed Book / Page	23D / 276
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	May 16, 2022
Property Address	106 CUNNINGHAM DR, ATHENS, TN 37303-1680
Document Number	000023D276
Book / Page	23D / 276
Map Reference	CAB B SL 97
Instrument Date	May 12, 2022
Instrument	236377
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	CONCORD TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.00
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 CUNNINGHAM DR, ATHENS, TN 37303-1680

Mortgage

Document Number	0000236378
Date	May 16, 2022
Instrument	236378

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	May 11, 2021
Property Address	106 CUNNINGHAM DR, ATHENS, TN 37303-1680
Document Number	22Q252
Book / Page	22Q / 252
Map Reference	CAB B SL 97
Instrument Date	May 10, 2021
Instrument	225014
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	INDEPENDENCE ESCROW INC, INDEPENDENCE T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$943.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CUNNINGHAM DR, ATHENS, TN 37303-1680

Mortgage

Document Number	225015
Date	May 11, 2021
Instrument	225015

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	106 CUNNINGHAM DR, ATHENS, TN 37303-1680
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1135251
Date	Jan 25, 2018
Book Page	1135/251
Instrument	195114

Lender

Name	ATHENS FEDERAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2038

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	$1,564.00	$74,825 (-) Land $15,000 Building $59,825
2024	$1,564.00	$74,825 (-) Land $15,000 Building $59,825
2023	$1,564.00 (+26.43%)	$74,825 (+75.03%) Land $15,000 Building $59,825	$299,300 (+75.03%) Land $60,000 Building $239,300
2022	$1,237.00	$42,750 Land $6,000 Building $36,750	$171,000 Land $24,000 Building $147,000

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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