228 Harris St, Erwin, TN 37650 Property Records

Unicoi County property record for 228 Harris St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,832 sqft · built 1968
Lot Size	0.489 acres (21,314 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,900 (Nov 2021)
Tax Bill	$1,246 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`031F-E-010.01`

Property Details

APN / Parcel Number

Primary APN	`031F-E-010.01`
Alternative APNs	`086031F E 01001` `000007612`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,832 sqft Living Area
Gross Area	3,168 sqft
1st Floor Area	1,716 sqft
Basement Area	1,452 sqft
Finished Basement	1,116 sqft
Unfinished Basement	336 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,314 sqft (0.489 acres)
Lot Dimensions	285 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	310 sqft
Carport	Carport
Carport Area	310 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	264 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	228 HARRIS ST
City	ERWIN
State	TN
Zip	37650-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75X291 IRR
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1062
Census Tract	80200

Owner

Source: Unicoi County records, as of March 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	228 HARRIS ST, ERWIN, TN 37650-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Warranty Deed, Transfer · Commercial Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 13, 2018	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Jun 10, 2020	Warranty Deed, Transfer PEOPLES HM EQUITY
Mar 4, 2019	Deed of Trust, Mortgage · Line of Credit EASTMAN CU
Oct 22, 2018	Warranty Deed, Transfer · Conventional Mortgage EASTMAN CU
Jun 1, 2018	Warranty Deed, Transfer CLASSIC TITLE INSURANCE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Prior Sale	Jun 10, 2020 · Amount on Record
Deed Document Number	20212483
Deed Book / Page	452 / 659
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Nov 8, 2021
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Document Number	452659
Book / Page	452 / 659
Instrument Date	Nov 5, 2021
Instrument	21002483
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	NOT AVAILABLE, RELIABLE T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$961.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 HARRIS ST, ERWIN, TN 37650-2015

Mortgage

Document Number	21002484
Date	Nov 8, 2021
Instrument	21002484

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	413710
Date	Jun 13, 2018
Book Page	413/710
Instrument	18001076

Lender

Name	RENASANT BANK
Type	Bank
Address	JOHNSON CITY, TN 37604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jun 10, 2020
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Document Number	43467
Book / Page	000434 / 000067
Instrument Date	Jun 10, 2020
Instrument	1017
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	CLASSIC TITLE INSURANCE COMPANY INC, CLASSIC TITLE INS CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$747.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 HARRIS ST ERWIN TN 376502015, ERWIN, TN 37650-2015

Mortgage

Document Number	43470
Date	Jun 10, 2020
Book Page	000434/000070
Instrument	1018

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Document Number	420325
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 HARRIS ST ERWIN TN 376502015, ERWIN, TN 37650-2015

Mortgage

Document Number	420325
Date	Mar 8, 2019
Book Page	000420/000325
Instrument	381

Lender

Name	EASTMAN CU
Type	Credit Union
Address	CITY OF KINGSPORT, TN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 7, 2039

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Oct 22, 2018
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Document Number	417177
Book / Page	000417 / 000177
Instrument Date	Oct 19, 2018
Instrument	1980
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	EVERGREEN TITLE AND CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$604.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 HARRIS ST ERWIN TN 376502015, ERWIN, TN 37650-2015

Mortgage

Document Number	417180
Date	Oct 22, 2018
Book Page	000417/000180
Instrument	1981

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jun 1, 2018
Property Address	228 HARRIS ST, ERWIN, TN 37650-2015
Document Number	413372
Book / Page	000413 / 000372
Instrument Date	Jun 1, 2018
Instrument	1009
Transaction Type	Transfer
Record Updated	Jun 11, 2018
Title Company	CLASSIC TITLE INSURANCE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$433.33
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1045 DRY CREEK RD ELIZABETHTON TN 376435738, ELIZABETHTON, TN 37643-5738

Tax Assessment & Valuation

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	$1,246.00 (-22.61%)	$47,725 (-22.62%) Land $5,300 Building $42,425	$190,900 (-) Land $21,200 Building $169,700
2024	$1,610.00 (+11.03%)
2023		$61,675 (-) Land $5,300 Building $56,375
2022	$1,450.00	$61,675 Land $5,300 Building $56,375	$190,900 Land $21,200 Building $169,700

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

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
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

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

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

Wildfire Risk	Low lower than 63% of the US · above 53% of Tennessee
Wildfire Likelihood	0.05% 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	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
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, 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 140 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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