108 Timber Ridge Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 108 Timber Ridge Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,106 sqft · built 1977
Lot Size	0.99 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Oct 2024)
Tax Bill	$1,004 (2025)
Deeds & Mortgages	Jan 2018 Reverse Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039I-A-008.00`

Property Details

APN / Parcel Number

Primary APN	`039I-A-008.00`
Alternative APNs	`086039I A 00800` `000009493`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,106 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,612 sqft
Basement Area	988 sqft
Finished Basement	494 sqft
Unfinished Basement	494 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Lot Dimensions	342 ft deep x 145 ft wide
Terrain	Mountain
Porch	Finished/Open Porch
Porch Area	120 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	108 TIMBER RIDGE RD
City	ERWIN
State	TN
Zip	37650-8955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	125X191 IRR 51X139X151X81X32X139
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	3
Census Block	3031
Census Tract	80200

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	Individual Name on Record
Mailing Address	108 TIMBER RIDGE RD, ERWIN, TN 37650-8955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2018	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Jan 10, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Nov 30, 2009
Deed Document Number	20241675
Deed Book / Page	484 / 974
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	108 TIMBER RIDGE RD, ERWIN, TN 37650-8955
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	409820
Date	Jan 18, 2018
Book Page	409/820
Instrument	18000104

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	897 Months
Due	Oct 8, 2092

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	108 TIMBER RIDGE RD, ERWIN, TN 37650-8955
Document Number	409837
Instrument Date	Jan 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 TIMBER RIDGE RD ERWIN TN 376508955, ERWIN, TN 37650-8955

Mortgage

Document Number	409837
Date	Jan 18, 2018
Book Page	000409/000837
Instrument	105

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Jan 17, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.15%

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	$1,004.00	$38,475 (-) Land $5,825 Building $32,650	$153,900 (-) Land $23,300 Building $130,600
2024	$1,004.00 (+11.06%)
2023		$38,475 (-) Land $5,825 Building $32,650
2022	$904.00	$38,475 Land $5,825 Building $32,650	$153,900 Land $23,300 Building $130,600

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 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
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2018 · other causes
Claims by Event	Severe Storms And Flooding, Aug 2001 · 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

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

Wildfire Risk	Moderate above 57% of the US · above 77% of Tennessee
Wildfire Likelihood	0.2% 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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000

May also be available: Brightspeed.

Cell Coverage

4G LTE only, no 5G reported

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