158 Cherokee Cir, Erwin, TN 37650 Property Records

Unicoi County property record for 158 Cherokee Cir, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,957 sqft · built 1987
Lot Size	0.607 acres (26,446 sqft)
Owner	2 Individual Names on File
Last Sale	$168,900 (Dec 2018)
Tax Bill	$1,111 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017F-B-027.00`

Property Details

APN / Parcel Number

Primary APN	`017F-B-027.00`
Alternative APNs	`086017F B 02700` `000003609`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,957 sqft Living Area
Gross Area	2,630 sqft
1st Floor Area	1,174 sqft
Upper Floors Area	588 sqft
Basement Area	868 sqft
Finished Basement	195 sqft
Unfinished Basement	673 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,446 sqft (0.607 acres)
Lot Dimensions	141 ft deep x 197 ft wide
Terrain	Rolling

Exterior Amenities

Deck Area	618 sqft
Patio Area	690 sqft
Shed	1 Shed
Shed Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	158 CHEROKEE CIR
City	ERWIN
State	TN
Zip	37650-7940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARROWHEAD PB 2 PG 94 BLK B LOT 2 155X195 IRR
Legal Subdivision	ARROWHEAD
Legal Block	B
Legal Lot Number	2
Jurisdiction	UNICOI TN
Township / Civil Division	3
Census Block Group	3
Census Block	3005
Census Tract	80200

Owner

158 Cherokee Cir is owned and occupied by two individuals who acquired it in August 2019.

Source: Unicoi County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	158 CHEROKEE CIR, ERWIN, TN 37650-7940
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
Jan 17, 2020	Deed of Trust, Mortgage CARDINAL FIN'L
Dec 21, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Prior Sale	Sep 9, 2009 · Amount on File
Deed Document Number	20182324
Deed Book / Page	418 / 675
Last Transfer Date	Aug 9, 2019
Transfer Doc	0004250464
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	158 CHEROKEE CIR, ERWIN, TN 37650-7940
Document Number	430189
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	DEBBIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 CHEROKEE CIR ERWIN TN 376507940, ERWIN, TN 37650-7940

Mortgage

Document Number	430189
Date	Jan 23, 2020
Book Page	000430/000189
Instrument	156

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Dec 21, 2018
Property Address	158 CHEROKEE CIR, ERWIN, TN 37650-7940
Document Number	0000418675
Book / Page	418 / 675
Map Reference	CAB A SL 130
Instrument Date	Dec 8, 2018
Instrument	18002324
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 CHEROKEE CIR, ERWIN, TN 37650-7940

Mortgage

Document Number	0018002325
Date	Dec 21, 2018
Instrument	18002325

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 158 Cherokee Cir was $1,111.

Source: Unicoi County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,111.00	$42,575 Land $6,875 Building $35,700	$170,300 Land $27,500 Building $142,800
2024	$1,111.00
2023		$42,575 (-) Land $6,875 Building $35,700
2022	$1,001.00	$42,575 Land $6,875 Building $35,700	$170,300 Land $27,500 Building $142,800

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.

Flood

FEMA maps place 158 Cherokee Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · 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	9 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Feb 2018 · other causes
Claims by Event	Severe Storms And Flooding, Aug 2001 · 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 158 Cherokee Cir is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.08% 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	UNICOI UTILITY DISTRICT serves 4,527 people · EPA ID TN0000719
Water Source	Purchased groundwater influenced by surface water from ERWIN UTILITIES AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cherokee Cir

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