128 Harris St, Erwin, TN 37650 Property Records

Unicoi County property record for 128 Harris St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 710 sqft · built 1949
Lot Size	0.198 acres (8,608 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Mar 1995)
Tax Bill	$482 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2025 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`031F-E-018.00`

Property Details

APN / Parcel Number

Primary APN	`031F-E-018.00`
Alternative APNs	`086031F E 01800` `000007620`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	710 sqft Living Area
Gross Area	794 sqft
1st Floor Area	710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,608 sqft (0.198 acres)
Lot Dimensions	160 ft deep x 53 ft wide
Porch	Enclosed/Finished Porch
Porch Area	154 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	128 HARRIS ST
City	ERWIN
State	TN
Zip	37650-2042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	63X125
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1030
Census Tract	80200

Owner

Source: Unicoi County records, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	128 HARRIS ST, ERWIN, TN 37650-2042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Line of Credit MOUNTAIN COMMERCE BANK
Nov 20, 2025	Executor's Deed, Transfer
Mar 21, 2019	Deed of Trust, Mortgage MOUNTAIN COMMERCE BANK
Dec 27, 2018	Deed of Trust, Mortgage MOUNTAIN COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 1995 · Amount on Record
Deed Sale	Mar 24, 1995 · Amount on Record
Deed Book / Page	175 / 502
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	128 HARRIS ST, ERWIN, TN 37650-2042
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 HARRIS ST, ERWIN, TN 37650-2042

Mortgage

Document Number	0000004991
Date	Dec 11, 2025
Book Page	499/1
Instrument	25002749

Lender

Name	MOUNTAIN COMMERCE BANK
Type	Bank
Address	ERWIN, TN 37650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 18, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	UNICOI TN
Recording Date	Nov 20, 2025
Property Address	128 HARRIS ST, ERWIN, TN 37650-2042
Document Number	0000498178
Book / Page	498 / 178
Map Reference	MB 28 PG 319
Instrument Date	Nov 18, 2025
Instrument	25002576
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 UNAKA VIEW DR, ERWIN, TN 37650-9217

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	128 HARRIS ST, ERWIN, TN 37650-2042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	420717
Date	Mar 21, 2019
Book Page	420/717
Instrument	19000488

Lender

Name	MOUNTAIN COMMERCE BANK
Type	Bank
Address	JOHNSON CITY, TN 37602

Agreement

Amount	Amount Recorded
Term	177 Months
Due	Dec 11, 2033

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	128 HARRIS ST, ERWIN, TN 37650-2042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DEBBIE TITTLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 HARRIS ST, ERWIN, TN 37650-2042

Mortgage

Document Number	418719
Date	Dec 27, 2018
Book Page	418/719
Instrument	18002331

Lender

Name	MOUNTAIN COMMERCE BANK
Type	Bank
Address	JOHNSON CITY, TN 37602

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 11, 2033

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	$482.00	$18,450 (-) Land $3,425 Building $15,025	$73,800 (-) Land $13,700 Building $60,100
2024	$482.00 (+11.06%)	$18,450 (-) Land $3,425 Building $15,025
2023		$18,450 (-) Land $3,425 Building $15,025
2022	$434.00	$18,450 Land $3,425 Building $15,025	$73,800 Land $13,700 Building $60,100

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.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.04% 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 140 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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