120 Crain Rd, Flag Pond, TN 37657 Property Records

Unicoi County property record for 120 Crain Rd, Flag Pond, TN 37657

Property Summary

Property Type	Single Family Home
Details	1 ba · 840 sqft · built 1994
Lot Size	5.41 acres (235,660 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Dec 2023)
Tax Bill	$747 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-003.00`

Property Details

APN / Parcel Number

Primary APN	`064-003.00`
Alternative APNs	`086064 00300` `000010854`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	2 Stories
Building Area	840 sqft Living Area
1st Floor Area	600 sqft
Upper Floors Area	240 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	235,660 sqft (5.41 acres)
Terrain	Mountain

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	48 sqft
Patio Area	335 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Street Address	120 CRAIN RD
City	FLAG POND
State	TN
Zip	37657-2082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT TR 3
Legal Subdivision	KEVIN HORTON
Legal Tract	3
Legal Lot Number	TR 3
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2027
Census Tract	80100

Owner

120 Crain Rd is owned by an individual who bought it in December 2023.

Source: Unicoi County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	8320 E WALKER SPRINGS LN, 200, KNOXVILLE, TN 37923-3120
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit CLINCHFIELD FCU
Aug 28, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 1, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Prior Sale	Aug 28, 2014 · Amount on File
Deed Document Number	20232199
Deed Book / Page	476 / 233
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	120 CRAIN RD, FLAG POND, TN 37657-2082
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004481046
Date	Aug 6, 2021
Book Page	448/1046
Instrument	21001735

Lender

Name	CLINCHFIELD FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	120 CRAIN RD, FLAG POND, TN 37657-2082
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CRAIN RD, FLAG POND, TN 37657-2082

Mortgage

Document Number	0000473305
Date	Aug 28, 2023
Book Page	473/305
Instrument	23001564

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2063

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Dec 1, 2023
Property Address	120 CRAIN RD, FLAG POND, TN 37657-2082
Document Number	0000476233
Book / Page	476 / 233
Instrument Date	Dec 1, 2023
Instrument	23002199
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8320 E WALKER SPRINGS LN STE 200, 200, KNOXVILLE, TN 37923-3120

Mortgage

Document Number	0023002200
Date	Dec 1, 2023
Instrument	23002200

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 120 Crain Rd was $747.

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	$747.00	$28,600 (-) Land $9,525 Building $19,075	$114,400 Land $38,100 Building $76,300
2024	$747.00	$28,600 (-) Land $9,525 Building $19,075
2023		$28,600 (-) Land $9,525 Building $19,075
2022	$672.00	$28,600 Land $9,525 Building $19,075	$114,400 Land $38,100 Building $76,300

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 120 Crain Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2001.

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	4 in force
Nearby Flood Claims	19 (2001–2024)
Claims Outside the SFHA	5 of 19
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2020 · 3 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

Wildfire risk around 120 Crain Rd is moderate, ranking above 50% 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 50% of the US · above 67% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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