154 Cherry St, Mount Carmel, TN 37645 Property Records

Hawkins County property record for 154 Cherry St, Mount Carmel, TN 37645

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,344 sqft · built 1955
Lot Size	75 acres (3,267,000 sqft)
Owner	Individual Name on File
Last Sale	$69,000 (Feb 2005)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037022P C 02000`

Property Details

APN / Parcel Number

Primary APN	`037022P C 02000`
Alternative APN	`022P C 02000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1997
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,267,000 sqft (75 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	154 CHERRY ST
City	MT CARMEL
State	TN
Zip	37645-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07 ALSO LOTS 2 & 3, COUNTY AREA: U01
Legal Subdivision	IRA T ALLEN
Legal Lot Number	1 3
Jurisdiction	HAWKINS TN
Township / Civil Division	1
Census Block Group	3
Census Block	3006
Census Tract	50602

Owner

154 Cherry St is owned and occupied by an individual who bought it in February 2005.

Source: Hawkins County records, as of January 26, 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	Individual Name on File
Mailing Address	154 CHERRY ST, MT CARMEL, TN 37645-3812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage POWELL VLY NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2005 · Amount on File
Deed Sale	Feb 3, 2005 · Amount on File
Prior Sale	Jan 30, 2004 · Amount on File
Deed Document Number	0000736359
Deed Book / Page	736 / 359
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWKINS TN
Property Address	154 CHERRY ST, MT CARMEL, TN 37645-3812
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CHERRY ST, MOUNT CARMEL, TN 37645-3812

Mortgage

Document Number	0RB1449703
Date	Feb 25, 2022
Book Page	1449/703
Instrument	22001590

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1021 Months
Due	Mar 19, 2107

Interest

Rate Type	Adjustable Rate
Rate	3.08%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.08%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWKINS TN
Property Address	154 CHERRY ST, MT CARMEL, TN 37645-3812
Document Number	RB125094
Book / Page	001250 / 000094
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 CHERRY ST MOUNT CARMEL TN 376453812, MOUNT CARMEL, TN 37645-3812

Mortgage

Document Number	RB125094
Date	Oct 2, 2017
Book Page	001250/000094
Instrument	6060

Lender

Name	POWELL VLY NAT'L BK
Type	Bank
Address	JONESVILLE, VA 24263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Hawkins County
Municipality	Mount Carmel Town
Unified School District	Hawkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$26,225 (-) Land $3,175 Building $23,050
2024	$26,225 (-) Land $3,175 Building $23,050
2023	$26,225 Land $3,175 Building $23,050
2021		$104,900 Land $12,700 Building $92,200

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 154 Cherry St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective June 6, 2024 · 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	2 in force
Nearby Flood Claims	3 (2010–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims

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

Wildfire risk around 154 Cherry St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 61% of Tennessee
Wildfire Likelihood	0.07% 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	FIRST U.D. OF HAWKINS COUNTY serves 19,972 people · EPA ID TN0000109
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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