232 N Elm Ave, Erwin, TN 37650 Property Records

Unicoi County property record for 232 N Elm Ave, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,748 sqft · built 1907
Lot Size	0.249 acres (10,863 sqft)
Owner	2 Individual Names on File
Last Sale	$80,100 (May 2005)
Tax Bill	$892 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023N-E-006.00`

Property Details

APN / Parcel Number

Primary APN	`023N-E-006.00`
Alternative APNs	`086023N E 00600` `000012048`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	2 Stories
Building Area	1,748 sqft Living Area
Gross Area	1,908 sqft
1st Floor Area	874 sqft
Upper Floors Area	874 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Exterior Material	Brick/Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,863 sqft (0.249 acres)
Lot Dimensions	208 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	480 sqft
Patio Area	484 sqft
Canopy	484 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 N ELM AVE
City	ERWIN
State	TN
Zip	37650-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	W S TUCKER BLK 1 LOT 8 50X207
Legal Subdivision	W S TUCKER
Legal Block	1
Legal Lot Number	8
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	3
Census Block	3015
Census Tract	80400

Owner

232 N Elm Ave is owned and occupied by two individuals who acquired it in March 2019.

Source: Unicoi County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 N ELM AVE, ERWIN, TN 37650-1226
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2005 · Amount on File
Deed Sale	May 9, 2005 · Amount on File
Deed Book / Page	285 / 59
Last Transfer Date	Mar 7, 2019
Transfer Doc	0000420788
Record Updated	Oct 29, 2026

March 2019: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	UNICOI TN
Recording Date	Mar 22, 2019
Property Address	232 N ELM AVE, ERWIN, TN 37650-1226
Document Number	420788
Book / Page	000420 / 000788
Instrument Date	Mar 7, 2019
Instrument	499
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 N ELM AVE ERWIN TN 376501226, ERWIN, TN 37650-1226

Mortgage

Document Number	420791
Date	Mar 22, 2019
Book Page	000420/000791
Instrument	500

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	5.98%

Mortgage

Document Number	420806,
Date	Mar 22, 2019
Book Page	000420/000806
Instrument	501

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	5.98%

Tax Assessment & Valuation

The 2025 property tax bill for 232 N Elm Ave was $892.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$892.00	$34,175 Land $3,375 Building $30,800	$136,700 Land $13,500 Building $123,200
2024	$892.00
2023		$34,175 (-) Land $3,375 Building $30,800
2022	$803.00	$34,175 Land $3,375 Building $30,800	$136,700 Land $13,500 Building $123,200

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 232 N Elm Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

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 Claims	1 (1981)
Most Recent Claim	Jun 1981 · tidal / storm surge

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 232 N Elm Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 235 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

May also be available: Point Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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