120 Cutter Gap Rd, Townsend, TN 37882 Property Records

Blount County property record for 120 Cutter Gap Rd, Townsend, TN 37882

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,744 sqft · built 1999
Lot Size	0.376 acres (16,400 sqft)
Owner	Individual Name on Record
Last Sale	$494,000 (Feb 2022)
Tax Bill	$2,035 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005095K C 03000`

Property Details

APN / Parcel Number

Primary APN	`005095K C 03000`
Alternative APN	`095K C 03000`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	860 sqft
Basement Area	884 sqft
Finished Basement	884 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,400 sqft
Lot Dimensions	200 ft deep x 82 ft wide
Terrain	Mountain

Exterior Amenities

Porch	Enclosed Porch
Porch Area	96 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	120 CUTTER GAP RD
City	TOWNSEND
State	TN
Zip	37882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	FAIRLIGHT A 5 COZY UP
Legal Subdivision	FAIRLIGHT
Legal Block	A
Legal Lot Number	5 73
Jurisdiction	BLOUNT TN
Township / Civil Division	8
Census Block Group	1
Census Block	1028
Census Tract	11404

Owner

Source: Blount County records, as of December 26, 2025

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
Co-owner	Co-owner on Record
Mailing Address	96716 GRANDE OAKS LN, FERNANDINA BEACH, FL 32034-1711
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 20, 2021	Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS
Feb 6, 2020	Warranty Deed, Transfer NOT AVAILABLE
Apr 27, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTURY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Apr 20, 2021 · Amount on Record
Deed Document Number	932129
Deed Book / Page	2691 / 2537
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT TN
Recording Date	Feb 15, 2022
Property Address	120 CUTTER GAP RD, TOWNSEND, TN 37882
Document Number	0026912537
Book / Page	2691 / 2537
Instrument Date	Feb 11, 2022
Instrument	932129
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 N MOUNTAIN AVE, UPLAND, CA 91786-3695

Mortgage

Document Number	0000932130
Date	Feb 15, 2022
Instrument	932130

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT TN
Recording Date	Apr 20, 2021
Property Address	120 CUTTER GAP RD, TOWNSEND, TN 37882
Document Number	0026451976
Book / Page	2645 / 1976
Instrument Date	Apr 19, 2021
Instrument	904907
Transaction Type	Transfer
Record Updated	Jan 24, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CUTTER GAP RD, TOWNSEND, TN 37882

Mortgage

Document Number	0026450000001979
Date	Apr 20, 2021
Book Page	0000002645/0000001979
Instrument	904908

Lender

Name	DIRECT MORTGAGE LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT TN
Recording Date	Feb 6, 2020
Property Address	120 CUTTER GAP RD, TOWNSEND, TN 37882
Document Number	0000866200
Book / Page	002579 / 002052
Instrument Date	Feb 6, 2020
Instrument	866200
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$833.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 BROOKSHIRE BLVD MARYVILLE TN 378036476, MARYVILLE, TN 37803-6476

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT TN
Recording Date	Apr 27, 2017
Property Address	120 CUTTER GAP RD, TOWNSEND, TN 37882
Document Number	0024812244
Book / Page	2481 / 2244
Instrument Date	Apr 27, 2017
Transaction Type	Transfer
Record Updated	Feb 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CUTTER GAP RD, TOWNSEND, TN 37882

Mortgage

Document Number	0024812246
Date	Apr 27, 2017
Book Page	2481/2246

Lender

Name	FIRST CENTURY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,035.00 (+69.3%)	$128,000 (+6%) Land $20,000 Building $108,000
2023		$80,000 Land $12,500 Building $67,500	$320,000 Land $50,000 Building $270,000
2022	$1,202.00

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

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	9 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 95% of Tennessee
Wildfire Likelihood	0.4% 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	TUCKALEECHEE UTILITY DISTRICT serves 14,522 people · EPA ID TN0000714
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	4 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	7 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 81 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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