Cocke County property record for 124 Roy Rd, Cosby, TN 37722
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,123 sqft · built 1983 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (May 2021) |
| Tax Bill | $1,023 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 015102K A 00600 |
| Primary APN | 015102K A 00600 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,123 sqft Living Area |
| 1st Floor Area | 2,123 sqft |
| Basement Area | 204 sqft |
| Finished Basement | 204 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Porch | Open Porch |
|---|---|
| Porch Area | 132 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 124 ROY RD |
|---|---|
| City | COSBY |
| State | TN |
| Zip | 37722-2812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: X02 |
| Legal Subdivision | COSBY VALLEY |
| Legal Lot Number | 8 |
| Jurisdiction | COCKE TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 920502 |
Source: Cocke County records, as of January 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 124 ROY RD, COSBY, TN 37722-2812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVTRS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Prior Sale | Nov 28, 2017 · Amount on Record |
| Deed Document Number | 21002564 |
| Deed Book / Page | 1559 / 120 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COCKE TN |
| Recording Date | May 24, 2021 |
| Property Address | 124 ROY RD, COSBY, TN 37722-2812 |
| Document Number | 0015590120 |
| Book / Page | 1559 / 120 |
| Map Reference | CAB B SL 8 |
| Instrument Date | May 21, 2021 |
| Instrument | 21002564 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2026 |
| Title Company | TENNESSEE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $851.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0021002565 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 21002565 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COCKE TN |
| Recording Date | Nov 28, 2017 |
| Property Address | 124 ROY RD, COSBY, TN 37722-2812 |
| Document Number | 1475643 |
| Book / Page | 001475 / 000643 |
| Instrument Date | Nov 24, 2017 |
| Instrument | 14337 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2017 |
| Title Company | SMOKY MOUNTAIN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $638.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 ROY RD COSBY TN 377222812, COSBY, TN 37722-2812 |
| Document Number | 1475645 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 001475/000645 |
| Instrument | 14338 |
| Name | MORTGAGE INVTRS |
|---|---|
| Type | Mortgage Company |
| Address | KNOXVILLE, TN 37923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2047 |
Source: Cocke County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Cocke County |
| Unified School District | Cocke County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,023.00 | $68,200 (+70.71%) Land $6,875 Building $61,325 | $272,800 (+70.71%) Land $27,500 Building $245,300 |
| 2024 | $1,023.00 | $39,950 (-) Land $5,425 Building $34,525 | |
| 2023 | $1,023.00 (-0.2%) | $39,950 (-) Land $5,425 Building $34,525 | |
| 2022 | $1,025.00 | $39,950 Land $5,425 Building $34,525 | $159,800 (-) Land $21,700 Building $138,100 |
| 2020 | $159,800 Land $21,700 Building $138,100 |
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.
Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 33 policies |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 13 (1996–2024) |
| Claims Outside the SFHA | 3 of 13 |
| Most Recent Claim | Oct 2024 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 89% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | NEWPORT UTILITIES BOARD serves 34,925 people · EPA ID TN0000500 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2024 |
| Lead | 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 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Newport Utilities Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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