15 Pine St, Athens, TN 37303 Property Records

McMinn County property record for 15 Pine St, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,441 sqft · built 1937
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Sep 2021)
Tax Bill	$768 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054056N B 03900`

Property Details

APN / Parcel Number

Primary APN	`054056N B 03900`
Alternative APNs	`056N B 03900 00005056N` `056N B 03900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,441 sqft Living Area
1st Floor Area	1,441 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1983
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	155 ft deep x 90 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	056N B 03900 00005056N
Street Address	15 PINE ST
City	ATHENS
State	TN
Zip	37303-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05 05 063A E 063A 01500 000, COUNTY AREA: D01
Legal Subdivision	KEITH
Legal Block	1
Legal Lot Number	7 8
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2054
Census Tract	970202

Owner

15 Pine St is owned and occupied by an individual who bought it in September 2021.

Source: McMinn County records, as of February 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15 PINE ST, ATHENS, TN 37303-3435
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Sep 17, 2021	Warranty Deed, Transfer · VA Mortgage SUCCESS MORTGAGE PARTNERS INC
Jun 14, 2021	Deed in Lieu of Foreclosure, Foreclosure
Oct 20, 2020	Warranty Deed, Transfer BRAD SMOTHERMAN
Mar 1, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Prior Sale	Jun 14, 2021 · Amount on File
Deed Document Number	229162
Deed Book / Page	22U / 944
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Recording Date	Jul 16, 2026
Property Address	15 PINE ST, ATHENS, TN 37303-3435
Document Number	0000276181
Book / Page	10 / 2219
Instrument Date	Jul 10, 2026
Instrument	2026276181
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 PINE ST, ATHENS, TN 37303-3435

Mortgage

Document Number	0000276181,
Date	Jul 16, 2026
Book Page	10/2219
Instrument	2026276181

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.52%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Sep 17, 2021
Property Address	15 PINE ST, ATHENS, TN 37303-3435
Document Number	22U944
Book / Page	22U / 944
Map Reference	MB 3-H PG 554
Instrument Date	Sep 3, 2021
Instrument	229162
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	RADIANT TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 PINE ST, ATHENS, TN 37303-3435

Mortgage

Document Number	229163
Date	Sep 17, 2021
Instrument	229163

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2021: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	MCMINN TN
Recording Date	Jun 14, 2021
Property Address	15 PINE ST, ATHENS, TN 37303-3435
Document Number	22R488
Book / Page	22R / 488
Map Reference	MB 3-H PG 554
Instrument Date	Apr 25, 2021
Instrument	226066
Transaction Type	Foreclosure
Record Updated	Jun 30, 2021

Transaction

Amount	Amount on Record
Tax	$540.78
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 11891, MURFREESBORO, TN 37129-0038
Investor	Possibly a Property Investor

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Oct 20, 2020
Property Address	15 PINE ST, ATHENS, TN 37303-3435
Document Number	22J466
Book / Page	00022J / 000466
Instrument Date	Oct 15, 2020
Instrument	219052
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	REGAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	15 PINE ST ATHENS TN 373033435, ATHENS, TN 37303-3435

Mortgage

Document Number	1214317
Date	Oct 20, 2020
Book Page	001214/000317
Instrument	219053

Lender

Name	BRAD SMOTHERMAN
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCMINN TN
Property Address	15 PINE ST, ATHENS, TN 37303-3435
Document Number	116318
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 PINE ST ATHENS TN 373033435, ATHENS, TN 37303-3435

Mortgage

Document Number	116318
Date	Mar 14, 2019
Book Page	001163/000018
Instrument	204567

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 15 Pine St was $768.

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

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Athens City
County	McMinn County
Elementary School District	Athens City Schools (PK - 08)
Secondary School District	McMinn County School District in Athens (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$768.00	$36,750 (-) Land $5,300 Building $31,450
2024	$768.00	$36,750 (-) Land $5,300 Building $31,450
2023	$768.00 (+18.89%)	$36,750 (+64.61%) Land $5,300 Building $31,450	$147,000 (+64.61%) Land $21,200 Building $125,800
2022	$646.00	$22,325 Land $5,300 Building $17,025	$89,300 Land $21,200 Building $68,100

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

FEMA maps place 15 Pine St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 15 Pine St is low, with a 0.02% 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	0.02% 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	ATHENS UTILITIES BOARD serves 26,424 people · EPA ID TN0000024
Water Source	Surface water
Last State Inspection	Nov 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	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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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