109 Co Rd 7004, Athens, TN 37303 Property Records

McMinn County property record for 109 Co Rd 7004, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,499 sqft · built 2005
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jul 2021)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054064 19013`

Property Details

APN / Parcel Number

Primary APN	`054064 19013`
Alternative APNs	`064 19013 00005064` `064 19013`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,499 sqft Living Area
1st Floor Area	2,499 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	235 ft deep x 85 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Patio
Porch Area	240 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 COUNTY ROAD 7004
City	ATHENS
State	TN
Zip	37303-7117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: D01
Legal Subdivision	OAK HILL EST
Legal Lot Number	31
Jurisdiction	MCMINN TN
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	970801

Owner

109 Co Rd 7004 is owned and occupied by two individuals who bought it in July 2021.

Source: McMinn County records, as of September 2, 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	109 COUNTY ROAD 7004, ATHENS, TN 37303-7117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 2, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Jul 18, 2011 · Amount on File
Deed Document Number	2021226702
Deed Book / Page	22 / S.168
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Aug 25, 2026
Property Address	109 COUNTY ROAD 7004, ATHENS, TN 37303-7117
Document Number	0000277423
Book / Page	12 / 2484
Instrument Date	Aug 14, 2026
Instrument	2026277423
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	109 COUNTY ROAD 7004, ATHENS, TN 37303-7117

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jul 2, 2021
Property Address	109 COUNTY ROAD 7004, ATHENS, TN 37303-7117
Document Number	000022S168
Book / Page	22S / 168
Map Reference	CAB C SL 118
Instrument Date	Jun 30, 2021
Instrument	226702
Transaction Type	Transfer
Record Updated	Feb 5, 2026
Title Company	TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,406.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 COUNTY ROAD 7004, ATHENS, TN 37303-7117

Mortgage

Document Number	0000226703
Date	Jul 2, 2021
Instrument	226703

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 109 Co Rd 7004 was $1,341.

Source: McMinn County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	McMinn County
Unified School District	McMinn County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,341.00	$123,875 (-) Land $10,925 Building $112,950
2024	$1,341.00	$123,875 (-) Land $10,925 Building $112,950
2023	$1,341.00 (+23.37%)	$123,875 (+76.27%) Land $10,925 Building $112,950	$495,500 (+76.27%) Land $43,700 Building $451,800
2022	$1,087.00	$70,275 Land $8,600 Building $61,675	$281,100 Land $34,400 Building $246,700

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 109 Co Rd 7004 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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 Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · 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

Wildfire risk around 109 Co Rd 7004 is moderate, ranking above 44% 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 44% of the US · above 61% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Co Rd 7004

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures