119 Upper St, Loudon, TN 37774 Property Records

Loudon County property record for 119 Upper St, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 860 sqft · built 1938
Lot Size	0.294 acres (12,811 sqft)
Owner	Individual Name on Record
Last Sale	$219,900 (Jan 2026)
Tax Bill	$850 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053041G C 01100`

Property Details

APN / Parcel Number

Primary APN	`053041G C 01100`
Alternative APNs	`041G C 01100 000041G` `041G C 01100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	860 sqft Living Area
1st Floor Area	860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2001
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,811 sqft (0.294 acres)
Lot Dimensions	160 ft deep x 77 ft wide
Terrain	High

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Deck Area	120 sqft
Patio Area	120 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	041G C 01100 000041G
Street Address	119 UPPER ST
City	LOUDON
State	TN
Zip	37774-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	GREER & CARMICHAEL ADD PT48 1 044E C 044E 01000 000
Legal Subdivision	GREER & CARMICHAEL ADD
Legal Lot Number	48 49
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1021
Census Tract	60503

Owner

Source: Loudon County records, as of January 26, 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	119 UPPER ST, LOUDON, TN 37774-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Warranty Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP
Jun 12, 2023	Warranty Deed, Transfer · Conventional Mortgage ORNL FCU
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Jun 12, 2023 · Amount on Record
Deed Document Number	26000435
Deed Book / Page	D493 / 27
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Jan 15, 2026
Property Address	119 UPPER ST, LOUDON, TN 37774-1546
Document Number	000D493/27
Book / Page	D493 / 27
Map Reference	CAB D SL 133
Instrument Date	Jan 14, 2026
Instrument	26000435
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	RENAISSANCE SETTLEMENTS LLC, RENAISSANCE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$813.63
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 UPPER ST, LOUDON, TN 37774-1546

Mortgage

Document Number	0026000436
Date	Jan 15, 2026
Instrument	26000436

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Jun 12, 2023
Property Address	119 UPPER ST, LOUDON, TN 37774-1546
Document Number	00D461/398
Book / Page	D461 / 398
Map Reference	CAB D SL 133
Instrument Date	Jun 7, 2023
Instrument	23005095
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	ADMIRAL TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$656.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 UPPER ST, LOUDON, TN 37774-1546

Mortgage

Document Number	0023005096
Date	Jun 12, 2023
Instrument	23005096

Lender

Name	ORNL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.08%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	11%
Index	1-Year CMT
Max Rate	11%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Aug 10, 2022
Property Address	119 UPPER ST, LOUDON, TN 37774-1546
Document Number	0D0452/139
Book / Page	D0452 / 139
Map Reference	CAB D SL 133
Instrument Date	Aug 3, 2022
Instrument	22009473
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	SOUTHEAST TITLE AND ESCROW LLC, SOUTHEAST TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$543.53
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	119 UPPER ST, LOUDON, TN 37774-1546

Mortgage

Document Number	0022009474
Date	Aug 10, 2022
Instrument	22009474

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Loudon County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Loudon County
Municipality	Loudon City
Unified School District	Loudon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$850.00	$28,750 (-) Land $5,700 Building $23,050
2024	$850.00 (+199.3%)	$28,750 (-) Land $5,700 Building $23,050
2023		$28,750 (+11.11%) Land $5,700 Building $23,050
2022	$284.00	$25,875 Land $5,700 Building $20,175	$103,500 (-1%) Land $22,800 Building $80,700
2021			$115,000 Land $22,800 Building $92,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 16, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.03% 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	LOUDON UTILITIES BOARD serves 16,047 people · EPA ID TN0000409
Water Source	Surface water
Last State Inspection	Dec 2024
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	2 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Lenoir City Utility Board.

Nearby Properties on Upper St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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