109 Hilltop View Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 109 Hilltop View Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2025)
Tax Bill	$139 (2025)
Deeds & Mortgages	Apr 2025 Construction Loan Oct 2025 Sale & Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031O-C-016.06`

Property Details

APN / Parcel Number

Primary APN	`031O-C-016.06`
Alternative APNs	`086031O C 01606` `000008807`

Exterior

Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	143 ft deep x 78 ft wide

Utilities, Heating & Cooling

Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	109 HILLTOP VIEW RD
City	ERWIN
State	TN
Zip	37650-2083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB B PG 416 LOT 5 41X146X104X41X138
Legal Subdivision	ECHO VALLEY
Legal Block	B
Legal Lot Number	5
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	80200

Owner

109 Hilltop View Rd is owned and occupied by two individuals who bought it in October 2025.

Source: Unicoi County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2025	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK
Oct 17, 2025	Warranty Deed, Subdivision Related Transfer · Stand-Alone Second Mortgage SUMMIT FUNDING INC
Mar 31, 2023	Warranty Deed, Transfer
Aug 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Prior Sale	Mar 31, 2023 · Amount on File
Deed Document Number	20252314
Deed Book / Page	497 / 66
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1900, ELIZABETHTON, TN 37644-1900

Mortgage

Document Number	0000490421
Date	Apr 15, 2025
Book Page	490/421
Instrument	25000796

Lender

Name	CITIZENS BANK
Type	Bank
Address	ELIZABETHTON, TN 37643

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Oct 15, 2026

Interest

Rate Type	Adjustable Rate

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Oct 17, 2025
Property Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083
Document Number	0000049766
Book / Page	497 / 66
Map Reference	CAB B SL 416&419
Instrument Date	Oct 17, 2025
Instrument	25002314
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 30, 2025
Title Company	CLASSIC TITLE INS CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,202.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083

Mortgage

Document Number	0025002316
Date	Oct 17, 2025
Instrument	25002316

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000049769
Date	Oct 17, 2025
Book Page	497/69
Instrument	25002315

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95825

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Mar 31, 2023
Property Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083
Document Number	0004681017
Book / Page	468 / 1017
Map Reference	CAB B SL 416,419&519
Instrument Date	Mar 28, 2023
Instrument	23000581
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Amount	Amount on Record
Tax	$1,272.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 YARNSPINNER DR, JONESBOROUGH, TN 37659-5807

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Aug 23, 2021
Property Address	109 HILLTOP VIEW RD, ERWIN, TN 37650-2083
Document Number	0000449581
Book / Page	449 / 581
Map Reference	CAB B SL 416,419&519
Instrument Date	Aug 17, 2021
Instrument	21001861
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Tax	$518.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2637 E ATLANTIC BLVD # 26268, 26268, POMPANO BEACH, FL 33062-4939

Tax Assessment & Valuation

The 2025 property tax bill for 109 Hilltop View Rd was $139.

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	$139.00	$5,325 (-) Land $5,325	$21,300 Land $21,300
2024	$139.00	$5,325 (-) Land $5,325
2023		$5,325 (-) Land $5,325
2022	$125.00	$5,325 Land $5,325	$21,300 Land $21,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 109 Hilltop View Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

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 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

Wildfire risk around 109 Hilltop View Rd is moderate, ranking above 47% 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 47% of the US · above 64% 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	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)
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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