120 Oak St, Erwin, TN 37650 Property Records

Unicoi County property record for 120 Oak St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,472 sqft · built 1961
Lot Size	0.428 acres (18,628 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jul 2021)
Tax Bill	$1,165 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031K-G-005.00`

Property Details

APN / Parcel Number

Primary APN	`031K-G-005.00`
Alternative APNs	`086031K G 00500` `000008524`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	512 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	18,628 sqft (0.428 acres)
Lot Dimensions	175 ft deep x 107 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	28 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 OAK ST
City	ERWIN
State	TN
Zip	37650-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	107X175
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1059
Census Tract	80200

Owner

Source: Unicoi County records, as of March 25, 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	120 OAK ST, ERWIN, TN 37650-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP INC
Jun 3, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Dec 10, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG
Sep 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 12, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	20211525
Deed Book / Page	447 / 1026
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 13, 2021
Property Address	120 OAK ST, ERWIN, TN 37650-2021
Document Number	4471026
Book / Page	447 / 1026
Instrument Date	Jun 30, 2021
Instrument	21001525
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
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 OAK ST, ERWIN, TN 37650-2021
Investor	Possibly a Property Investor

Mortgage

Document Number	21001526
Date	Jul 13, 2021
Instrument	21001526

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Mortgage

Document Number	0000004481
Date	Jul 13, 2021
Book Page	448/1
Instrument	21001527

Lender

Name	RADIUS FINANCIAL GROUP INC
Type	Mortgage Company
Address	NORWELL, MA 02061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2031

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	120 OAK ST, ERWIN, TN 37650-2021
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	446179
Date	Jun 3, 2021
Book Page	446/179
Instrument	21001168

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Dec 10, 2019
Property Address	120 OAK ST, ERWIN, TN 37650-2021
Document Number	428932
Book / Page	000428 / 000932
Instrument Date	Dec 6, 2019
Instrument	2321
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	DEBBIE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$542.53
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OAK ST ERWIN TN 376502021, ERWIN, TN 37650-2021

Mortgage

Document Number	428935
Date	Dec 10, 2019
Book Page	000428/000935
Instrument	2322

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Sep 17, 2019
Property Address	120 OAK ST, ERWIN, TN 37650-2021
Document Number	426514
Book / Page	000426 / 000514
Instrument Date	Sep 17, 2019
Instrument	1783
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 OAK ST ERWIN TN 376502021, ERWIN, TN 37650-2021

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 12, 2019
Property Address	120 OAK ST, ERWIN, TN 37650-2021
Document Number	421464
Book / Page	000421 / 000464
Instrument Date	Apr 12, 2019
Instrument	670
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 541 ERWIN TN 376500541, ERWIN, TN 37650-0541

Tax Assessment & Valuation

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	$1,165.00	$44,625 (-) Land $7,025 Building $37,600	$178,500 (-) Land $28,100 Building $150,400
2024	$1,165.00 (+11.06%)
2023		$44,625 (-) Land $7,025 Building $37,600
2022	$1,049.00	$44,625 Land $7,025 Building $37,600	$178,500 Land $28,100 Building $150,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Aug 2023 · 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

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

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.08% 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 234 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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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