Cocke County property record for 139 Roy Rd, Cosby, TN 37722
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,047 sqft · built 1997 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jul 2014) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Jul 2024 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 015102K A 01700 |
| Primary APN | 015102K A 01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,047 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Upper Floors Area | 1,332 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 28,750 sqft (0.66 acres) |
| Lot Dimensions | 283 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 336 sqft |
| Deck Area | 880 sqft |
| Shed | 1 Shed |
| Shed Area | 360 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 139 ROY RD |
|---|---|
| City | COSBY |
| State | TN |
| Zip | 37722-2814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: X02 |
| Legal Subdivision | COSBY VALLEY |
| Legal Lot Number | 22 |
| Jurisdiction | COCKE TN |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 920502 |
139 Roy Rd is owned and occupied by an individual who bought it in July 2014.
Source: Cocke County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 139 ROY RD, COSBY, TN 37722-2814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 16, 2025 | Deed of Trust, Mortgage · FHA Mortgage PFN LENDING GROUP INC |
| Jul 17, 2024 | Deed of Trust, Mortgage · FHA Mortgage PFN LENDING GROUP INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2014 · Amount on File |
| Deed Sale | Jul 2, 2014 · Amount on File |
| Prior Sale | Jun 4, 2013 · Amount on File |
| Deed Document Number | 201497954 |
| Deed Book / Page | 1407 / 559 |
| Prior Transfer Date | Jun 3, 2013 |
| Prior Transfer Doc | 0013870257 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COCKE TN |
| Property Address | 139 ROY RD, COSBY, TN 37722-2814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0016690761 |
|---|---|
| Date | May 16, 2025 |
| Book Page | 1669/761 |
| Instrument | 25002546 |
| Name | PFN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | 5016 PARKWAY CALABASAS STE 200, CALABASAS, CA 91302 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COCKE TN |
| Property Address | 139 ROY RD, COSBY, TN 37722-2814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 139 ROY RD, COSBY, TN 37722-2814 |
| Document Number | 0016480837 |
|---|---|
| Date | Jul 17, 2024 |
| Book Page | 1648/837 |
| Instrument | 2400290217 |
| Name | PFN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | 5016 PARKWAY CALABASAS STE 200, CALABASAS, CA 91302 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
The 2025 property tax bill for 139 Roy Rd was $1,003, up 9.1% from the year before.
Source: Cocke County assessment roll, as of February 2, 2026
| 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 | $1,003.00 (+9.14%) | $66,925 (+86.42%) Land $7,850 Building $59,075 | $267,700 Land $31,400 Building $236,300 |
| 2024 | $919.00 | $35,900 (-) Land $6,200 Building $29,700 | |
| 2023 | $919.00 (-0.22%) | $35,900 (-) Land $6,200 Building $29,700 | |
| 2022 | $921.00 | $35,900 Land $6,200 Building $29,700 | $143,600 Land $24,800 Building $118,800 |
| 2020 | $143,600 Land $24,800 Building $118,800 |
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.
FEMA maps place 139 Roy Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 25, 2009 · 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 File 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.
Wildfire risk around 139 Roy Rd is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
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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