Unicoi County property record for 122 Fender Rd, Erwin, TN 37650
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,633 sqft · built 2018 |
| Lot Size | 0.529 acres (23,057 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $134,623 (Nov 2018) |
| Tax Bill | $937 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 023D-D-005.05 |
| Primary APN | 023D-D-005.05 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,633 sqft Living Area |
| 1st Floor Area | 1,633 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Custom Design |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,057 sqft (0.529 acres) |
| Lot Dimensions | 163 ft deep x 111 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 10 sqft |
| Deck Area | 25 sqft |
| Patio Area | 25 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 122 FENDER RD |
|---|---|
| City | ERWIN |
| State | TN |
| Zip | 37650-3200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PB C PG 63 LOT 3 2018 CMH HOMES 111X163 IRR |
| Legal Subdivision | HOWARD & LILA HOILMAN |
| Legal Block | C |
| Legal Lot Number | 3 |
| Jurisdiction | UNICOI TN |
| Township / Civil Division | 3 |
| Census Block Group | 4 |
| Census Block | 4064 |
| Census Tract | 80200 |
122 Fender Rd is owned and occupied by two individuals who bought it in November 2018.
Source: Unicoi County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 122 FENDER RD, ERWIN, TN 37650-3200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF TENNESSEE |
| Apr 19, 2021 | Deed of Trust, Mortgage · USDA Mortgage BANK OF TENNESSEE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Prior Sale | Sep 27, 2018 · Amount on File |
| Deed Document Number | 20182166 |
| Deed Book / Page | 417 / 1012 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNICOI TN |
| Recording Date | Jul 10, 2026 |
| Property Address | 122 FENDER RD, ERWIN, TN 37650-3200 |
| Document Number | 0000001457 |
| Book / Page | 505 / 949 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20261457 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 122 FENDER RD, ERWIN, TN 37650-3200 |
| Document Number | 0000001457, |
|---|---|
| Date | Jul 10, 2026 |
| Book Page | 505/949 |
| Instrument | 20261457 |
| Name | BANK OF TENNESSEE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 28, 2051 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNICOI TN |
| Property Address | 122 FENDER RD, ERWIN, TN 37650-3200 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | DEBBIE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000444820 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 444/820 |
| Instrument | 21000837 |
| Name | BANK OF TENNESSEE |
|---|---|
| Type | Bank |
| Address | KINGSPORT, TN 37660 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 122 Fender Rd was $937.
Source: Unicoi County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Unicoi County |
| Municipality | Erwin Town |
| Unified School District | Unicoi County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $937.00 | $35,900 (-) Land $3,225 Building $32,675 | $143,600 Land $12,900 Building $130,700 |
| 2024 | $937.00 | $35,900 (-) Land $3,225 Building $32,675 | |
| 2023 | $35,900 (-) Land $3,225 Building $32,675 | ||
| 2022 | $844.00 | $35,900 Land $3,225 Building $32,675 | $143,600 Land $12,900 Building $130,700 |
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.
FEMA maps place 122 Fender Rd in Zone X, an area of minimal flood risk, though there have been 3 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 | 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 |
|
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 risk around 122 Fender Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 51% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 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 |
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