175 Co Rd 197, Athens, TN 37303 Property Records

McMinn County property record for 175 Co Rd 197, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,209 sqft · built 1950
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Mar 2021)
Tax Bill	$421 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054047K A 00400`

Property Details

APN / Parcel Number

Primary APN	`054047K A 00400`
Alternative APNs	`047K A 00400 00001047K` `047K A 00400`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,209 sqft Living Area
1st Floor Area	1,209 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	175 COUNTY ROAD 197
City	ATHENS
State	TN
Zip	37303-6967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045I A 045P 00300 000, COUNTY AREA: D01
Legal Subdivision	EDGEMON
Jurisdiction	MCMINN TN
Township / Civil Division	2
Census Block Group	1
Census Block	1004
Census Tract	970202

Owner

175 Co Rd 197 is owned and occupied by an individual who bought it in March 2021.

Source: McMinn County records, as of October 19, 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	175 COUNTY ROAD 197, ATHENS, TN 37303-6967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Mar 29, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 14, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2021 · Amount on File
Deed Sale	Mar 29, 2021 · Amount on File
Prior Sale	Aug 14, 2017 · Amount on File
Deed Document Number	2021223539
Deed Book / Page	22 / O.514
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967

Mortgage

Document Number	0001315173
Date	May 31, 2023
Book Page	1315/173
Instrument	246637

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Mar 29, 2021
Property Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967
Document Number	000022O514
Book / Page	22O / 514
Instrument Date	Mar 26, 2021
Instrument	223539
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967

Mortgage

Document Number	0000223540
Date	Mar 29, 2021
Instrument	223540

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Aug 14, 2017
Property Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967
Document Number	000021E279
Book / Page	21E / 279
Instrument Date	Aug 14, 2017
Instrument	191382
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 COUNTY ROAD 197, ATHENS, TN 37303-6967

Tax Assessment & Valuation

The 2025 property tax bill for 175 Co Rd 197 was $421.

Source: McMinn County assessment roll, as of February 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$421.00	$38,875 (-) Land $4,100 Building $34,775
2024	$421.00	$38,875 (-) Land $4,100 Building $34,775
2023	$421.00 (+5.51%)	$38,875 (+50.82%) Land $4,100 Building $34,775	$155,500 (+50.82%) Land $16,400 Building $139,100
2022	$399.00	$25,775 Land $4,100 Building $21,675	$103,100 Land $16,400 Building $86,700

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 175 Co Rd 197 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 175 Co Rd 197 is moderate, ranking above 40% 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 40% of the US · above 57% 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	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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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