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131 Oak St, Dunlap, TN 37327 Property Records

Sequatchie County property record for 131 Oak St, Dunlap, TN 37327

Property Summary

Property TypeSingle Family Home
Details1 ba · 821 sqft · built 1900
Lot Size0.344 acres (15,000 sqft)
OwnerIndividual Name on Record
Last Sale$35,000 (May 1999)
Tax Bill$446 (2023)
Deeds & MortgagesAug 2026 Mortgage
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN077048E D 00400

Property Details

APN / Parcel Number

Primary APN077048E D 00400
Alternative APN
  • 048E D 00400

Interior

Full Baths1 Bath
Stories1 Story
Building Area821 sqft Living Area
1st Floor Area821 sqft
Utility RoomUtility Room
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1985
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area15,000 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
TerrainRolling
PorchSlab
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address131 OAK ST
CityDUNLAP
StateTN
Zip37327-3908
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 4; SUBDIVISION: DOWNING ADD; BLOCK: 7
Legal SubdivisionDOWNING ADD
Legal Block7
Legal Lot Number6-8
JurisdictionSEQUATCHIE TN
Township / Civil Division4
Census Block Group2
Census Block2026
Census Tract60103

Owner

Source: Sequatchie County records, as of August 13, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address340 CHERRY ST, DUNLAP, TN 37327-3974
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 7, 2026Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS TRI-COUNTY BANK
May 4, 2021Deed of Trust, Mortgage
MOUNTAIN VALLEY BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 18, 1999 · Amount on Record
Deed SaleMay 18, 1999 · Amount on Record
Prior SaleMay 29, 1992 · Amount on Record
Deed Book / Page113 / 452
Record UpdatedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEQUATCHIE TN
Recording DateAug 7, 2026
Property Address131 OAK ST, DUNLAP, TN 37327-3908
Document Number0000002652
Book / Page482 / 2868
Instrument DateAug 5, 2026
Instrument20262652
Transaction TypeMortgage
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address340 CHERRY ST, DUNLAP, TN 37327-3974

Mortgage

Document Number0000002652,
DateAug 7, 2026
Book Page482/2868
Instrument20262652
Lender
NameCITIZENS TRI-COUNTY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 5, 2041
Interest
Rate TypeAdjustable Rate
Rate5.82%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEQUATCHIE TN
Property Address131 OAK ST, DUNLAP, TN 37327-3908
Transaction TypeMortgage
Record UpdatedMay 19, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1410
DateMay 4, 2021
Book Page418/422
Instrument21001410
Lender
NameMOUNTAIN VALLEY BANK
TypeBank
Agreement
AmountAmount Recorded
Term120 Months
DueApr 30, 2031

Tax Assessment & Valuation

Source: Sequatchie County assessment roll, as of January 27, 2026

Property Jurisdictions

TypeName
StateTennessee
CountySequatchie County
MunicipalityDunlap City
Unified School DistrictSequatchie County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$18,450 (-) Land $3,750 Building $14,700
2023$446.00 (+48.67%)$18,450 (+103.87%) Land $3,750 Building $14,700$73,800 (+103.87%) Land $15,000 Building $58,800
2022$300.00$9,050 Land $3,050 Building $6,000$36,200 Land $12,200 Building $24,000

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 November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemDUNLAP WATER SYSTEM
serves 9,782 people · EPA ID TN0000205
Water SourceSurface water
Last State InspectionJul 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 211 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
BTC Fiber
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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