107 Banner St, Erwin, TN 37650 Property Records

Unicoi County property record for 107 Banner St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,232 sqft · built 1920
Lot Size	0.143 acres (6,211 sqft)
Owner	2 Individual Names on File
Tax Bill	$482 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031J-A-013.00`

Property Details

APN / Parcel Number

Primary APN	`031J-A-013.00`
Alternative APNs	`02031JA031J01300` `086031J A 01300`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	1,392 sqft
1st Floor Area	1,232 sqft
Basement Area	160 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,211 sqft (0.143 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Porch	Finished/Open Porch
Porch Area	248 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	107 BANNER ST
City	ERWIN
State	TN
Zip	37650-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK A LOT 22 40X120
Legal Subdivision	BANNER HILL
Legal Block	A
Legal Lot Number	22
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2025
Census Tract	80200

Owner

Source: Unicoi County records, as of March 27, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	107 BANNER ST, ERWIN, TN 37650-1017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
May 15, 2017	Deed of Trust, Mortgage · Line of Credit MOUNTAIN COMMERCE BANK
Apr 11, 2019	Deed of Trust, Mortgage · Line of Credit MOUNTAIN COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 20, 2011
Transfer Doc	0000354670
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	107 BANNER ST, ERWIN, TN 37650-1017
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 BANNER ST, ERWIN, TN 37650-1017

Mortgage

Document Number	0000498196
Date	Nov 20, 2025
Book Page	498/196
Instrument	25002579

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	107 BANNER ST, ERWIN, TN 37650-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	403587
Date	May 15, 2017
Book Page	403/587
Instrument	17000865

Lender

Name	MOUNTAIN COMMERCE BANK
Type	Bank
Address	ERWIN, NC 28339

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 27, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	107 BANNER ST, ERWIN, TN 37650-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DEBBIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	421409
Date	Apr 11, 2019
Book Page	421/409
Instrument	19000657

Lender

Name	MOUNTAIN COMMERCE BANK
Type	Bank
Address	JOHNSON CITY, TN 37602

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$482.00	$18,450 (-) Land $2,325 Building $16,125	$73,800 (-) Land $9,300 Building $64,500
2024	$482.00 (+11.06%)
2023		$18,450 (-) Land $2,325 Building $16,125
2022	$434.00	$18,450 Land $2,325 Building $16,125	$73,800 Land $9,300 Building $64,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · rainfall accumulation

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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
Lead	Under 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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