131 Gado Way, Loudon, TN 37774 Property Records

Loudon County property record for 131 Gado Way, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,800 (Jun 2018)
Tax Bill	$1,482 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jul 2019 Loan Modification + 4 more
Flood Zone	Zone X (minimal risk)
APN	`053068N J 01900`

Property Details

APN / Parcel Number

Primary APN	`053068N J 01900`
Alternative APNs	`068N J 01900 000077C` `068N J 01900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,706 sqft Living Area
1st Floor Area	1,706 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	642 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	350 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	068N J 01900 000077C
Street Address	131 GADO WAY
City	LOUDON
State	TN
Zip	37774-6828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIALAQUO COVES 21 11 1 084A Q 074P 01100 000
Legal Subdivision	MIALAQUO COVES
Legal Block	21
Legal Lot Number	11 1
Jurisdiction	LOUDON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2071
Census Tract	60504

Owner

Source: Loudon County records, as of January 22, 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	2 Individual Names on Record
Mailing Address	131 GADO WAY, LOUDON, TN 37774-6828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2018	Deed of Trust, Mortgage · ARM UNITED COMMUNITY BANK
Jul 19, 2019	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK
Oct 9, 2018	Trustee's Deed, Construction Loan · Line of Credit UNITED CMNTY BK
Jun 11, 2018	Grant Deed, Transfer ATTORNEY ONLY
May 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Prior Sale	Aug 10, 2005 · Amount on Record
Deed Document Number	18004738
Deed Book / Page	D404 / 210
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008078
Date	Sep 27, 2018
Book Page	T1383/316
Instrument	18008078

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LOUDON TN
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Document Number	0000007057
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	131 GADO WAY LOUDON TN 377746828, LOUDON, TN 37774-6828

Mortgage

Document Number	0000007057
Date	Aug 16, 2019
Book Page	001418/000778
Instrument	7057

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOUDON TN
Recording Date	Oct 9, 2018
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Book / Page	001384 / 000647
Instrument Date	Sep 14, 2018
Instrument	8422
Transaction Type	Construction Loan
Record Updated	Jan 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	548 BOSTON POST RD WATERFORD CT 063851130, WATERFORD, CT 06385-1130

Mortgage

Document Number	0000008422
Date	Oct 9, 2018
Book Page	001384/000647
Instrument	8422

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	LOUDON, TN 37774

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 8, 2019

Interest

Rate Type	Adjustable Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUDON TN
Recording Date	Jun 11, 2018
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Document Number	0000004738
Book / Page	000404 / 000210
Instrument Date	Jun 6, 2018
Instrument	4738
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$14.06
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	548 BOSTON POST RD WATERFORD CT 063851130, WATERFORD, CT 06385-1130

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDON TN
Recording Date	May 23, 2018
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Document Number	0000004218
Book / Page	000403 / 000607
Instrument Date	May 23, 2018
Instrument	4218
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	550 W MAIN ST KNOXVILLE TN 379022515, KNOXVILLE, TN 37902-2515

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOUDON TN
Recording Date	May 23, 2018
Property Address	131 GADO WAY, LOUDON, TN 37774-6828
Document Number	0000004217
Book / Page	000403 / 000582
Instrument Date	May 17, 2018
Instrument	4217
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	550 W MAIN ST #4TH KNOXVILLE TN 379022515, 4TH, KNOXVILLE, TN 37902-2515

Tax Assessment & Valuation

Source: Loudon County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Loudon County
Unified School District	Loudon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,482.00	$83,800 (-) Land $1,875 Building $81,925
2024	$1,482.00	$83,800 (-) Land $1,875 Building $81,925
2023		$83,800 Land $1,875 Building $81,925
2021			$335,200 Land $7,500 Building $327,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 16, 2007 · 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	5 in force

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 51% of the US · above 68% of Tennessee
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TELLICO VILLAGE P.O.A. private · serves 15,233 people · EPA ID TN0000871
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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