195 Dry Br Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 195 Dry Br Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 996 sqft · built 1920
Lot Size	0.471 acres (20,511 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Oct 2020)
Tax Bill	$822 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031L-A-015.00`

Property Details

APN / Parcel Number

Primary APN	`031L-A-015.00`
Alternative APNs	`086031L A 01500` `000008612`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	996 sqft Living Area
1st Floor Area	996 sqft
Flooring	Softwood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,511 sqft (0.471 acres)
Lot Dimensions	217 ft deep x 128 ft wide
Garage Type	Detached
Garage Area	1,269 sqft
Parking Spaces	5 Parking Spaces
Porch	Open/Unfinished Porch
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	195 DRY BRANCH RD
City	ERWIN
State	TN
Zip	37650-9277
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	124X137
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1051
Census Tract	80200

Owner

Source: Unicoi County records · APN 031L-A-015.00

Assessment roll updated December 3, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3701 ARCO CORPORATE DR, 200, CHARLOTTE, NC 28273-7204
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20201968
Deed Book / Page	438 / 284
Transfer Doc	0279000266
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Oct 19, 2020
Property Address	195 DRY BRANCH RD, ERWIN, TN 37650-9277
Document Number	0000438284
Book / Page	438 / 284
Instrument Date	Oct 16, 2020
Instrument	20001968
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	DEBIE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$355.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020001969
Date	Oct 19, 2020
Instrument	20001969

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Unicoi County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$822.00	$31,500 (-) Land $6,100 Building $25,400	$126,000 (-) Land $24,400 Building $101,600
2024	$822.00 (+11.08%)
2023		$31,500 (-) Land $6,100 Building $25,400
2022	$740.00	$31,500 Land $6,100 Building $25,400	$126,000 Land $24,400 Building $101,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 23, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Aug 2023 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Utilities Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Point Broadband Fiber Holding.

Based on FCC filings for 140 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ERWIN UTILITIES AUTHORITY serves 12,478 people
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.