1126 Cross Dr, Erwin, TN 37650 Property Records

Unicoi County property record for 1126 Cross Dr, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,782 sqft · built 2017
Lot Size	0.33 acres (14,374 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Feb 2018)
Tax Bill	$746 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023F-C-001.00`

Property Details

APN / Parcel Number

Primary APN	`023F-C-001.00`
Alternative APNs	`086023F C 00100` `000004909`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,782 sqft Living Area
1st Floor Area	1,782 sqft
Basement Area	472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,374 sqft (0.33 acres)
Lot Dimensions	116 ft deep x 95 ft wide
Garage Type	Detached
Garage Area	546 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	120 sqft
Deck Area	256 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1126 CROSS DR
City	ERWIN
State	TN
Zip	37650-4010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK C LOT 1-3 95X116 TENANTS IN COMMON WITH RIGHT OF SURVIVORSHIP
Legal Subdivision	BIG SPRINGS
Legal Block	C
Legal Lot Number	1-3
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	4
Census Block	4032
Census Tract	80200

Owner

Source: Unicoi County records · APN 023F-C-001.00

Assessment roll updated December 3, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1126 CROSS DR, ERWIN, TN 37650-4010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 2018 · Amount on Record
Deed Sale	Feb 23, 2018 · Amount on Record
Prior Sale	Dec 14, 2012 · Amount on Record
Deed Document Number	2018326
Deed Book / Page	410 / 653
Prior Transfer Date	Dec 07, 2012
Prior Transfer Doc	0000036559
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	1126 CROSS DR, ERWIN, TN 37650-4010
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	DEBBIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	410657
Date	Feb 23, 2018
Book Page	410/657
Instrument	18000327

Lender

Name	APPALACHIAN COMMUNITY FCU
Type	Credit Union
Address	JOHNSON CITY, TN 37615

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 01, 2021
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	3-Year CMT
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

Source: Unicoi County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$746.00	$28,575 (-) Land $2,650 Building $25,925	$114,300 (-) Land $10,600 Building $103,700
2024	$746.00 (+11.01%)	$28,575 (-) Land $2,650 Building $25,925
2023		$28,575 (-) Land $2,650 Building $25,925
2022	$672.00	$28,575 Land $2,650 Building $25,925	$114,300 Land $10,600 Building $103,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 23, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2001–2012)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Aug 2001 · 2 claims

Wildfire

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 31 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ERWIN UTILITIES AUTHORITY serves 12,478 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.