127 Banner St, Erwin, TN 37650 Property Records

Unicoi County property record for 127 Banner St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 840 sqft · built 1950
Lot Size	0.22 acres (9,581 sqft)
Owner	Individual Name on File
Last Sale	$144,700 (Mar 2026)
Tax Bill	$589 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031J-A-019.00`

Property Details

APN / Parcel Number

Primary APN	`031J-A-019.00`
Alternative APNs	`086031J A 01900` `000007956`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,581 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	48 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	127 BANNER ST
City	ERWIN
State	TN
Zip	37650-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK A LOT 34- 80X120
Legal Subdivision	BANNER HILL
Legal Block	A
Legal Lot Number	34
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2025
Census Tract	80200

Owner

127 Banner St is owned by an individual who bought it in March 2026.

Source: Unicoi County records, as of March 12, 2026

Owner of Record	Individual Name on File
Mailing Address	111 OAK RIDGE RD, ERWIN, TN 37650-8943
Owner Type	Individual
Vesting	Unmarried Woman

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
Mar 5, 2026	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 5, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 8, 2023	Warranty Deed, Transfer
Sep 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Dec 8, 2023 · Amount on File
Deed Document Number	2026481
Deed Book / Page	501 / 410
Prior Transfer Date	Oct 31, 2024
Prior Transfer Doc	0000485948
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Mar 5, 2026
Property Address	127 BANNER ST, ERWIN, TN 37650-1017
Document Number	0000501410
Book / Page	501 / 410
Map Reference	MB NO PG 15
Instrument Date	Mar 2, 2026
Instrument	26000481
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	SOUTHERN HIGHLANDS T&E

Transaction

Amount	Amount on Record
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	111 OAK RIDGE RD, ERWIN, TN 37650-8943

Mortgage

Document Number	0026000482
Date	Mar 5, 2026
Instrument	26000482

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Nov 5, 2025
Property Address	127 BANNER ST, ERWIN, TN 37650-1017
Document Number	0000497728
Book / Page	497 / 728
Map Reference	MB 30 PG 15
Instrument Date	Jul 2, 2025
Instrument	25002465
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 BANNER ST, ERWIN, TN 37650-1017

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Dec 8, 2023
Property Address	127 BANNER ST, ERWIN, TN 37650-1017
Document Number	0000476451
Book / Page	476 / 451
Map Reference	MB 30 PG 15
Instrument Date	Dec 8, 2023
Instrument	23002248
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount on Record
Tax	$333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 BANNER ST, ERWIN, TN 37650-1017

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Sep 11, 2020
Property Address	127 BANNER ST, ERWIN, TN 37650-1017
Document Number	43728
Book / Page	000437 / 000028
Instrument Date	Sep 10, 2020
Instrument	1672
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	127 BANNER ST ERWIN TN 376501017, ERWIN, TN 37650-1017

Tax Assessment & Valuation

The 2025 property tax bill for 127 Banner St was $589.

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	$589.00	$22,575 (-) Land $4,650 Building $17,925	$90,300 Land $18,600 Building $71,700
2024	$589.00	$22,575 (-) Land $4,650 Building $17,925
2023		$22,575 (-) Land $4,650 Building $17,925
2022	$531.00	$22,575 Land $4,650 Building $17,925	$90,300 Land $18,600 Building $71,700

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.

Flood

FEMA maps place 127 Banner St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · 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

Wildfire risk around 127 Banner St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 259 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.

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