301 Polly Erwin Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 301 Polly Erwin Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,316 sqft · built 1946
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on Record
Last Sale	$237,500 (Jan 2026)
Tax Bill	$789 (2025)
Deeds & Mortgages	Jan 2026 Sale Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`038-068.00`

Property Details

APN / Parcel Number

Primary APN	`038-068.00`
Alternative APNs	`086038 06800` `000009148`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	1,316 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	1,316 sqft
Basement Area	644 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,818 sqft (0.96 acres)
Terrain	Rolling

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	320 sqft
Deck Area	410 sqft
Patio Area	410 sqft
Shed	1 Shed
Shed Area	800 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	301 POLLY ERWIN RD
City	ERWIN
State	TN
Zip	37650-3640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOINT TENANTS WITH RIGHT OF SURVIVORSHIP
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1011
Census Tract	80100

Owner

Source: Unicoi County records, as of February 2, 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 Record
Mailing Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Warranty Deed, Transfer
Feb 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC
Oct 28, 2019	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Oct 6, 2017	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Sep 22, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Prior Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	2026165
Deed Book / Page	500 / 184
Prior Transfer Date	Feb 10, 2022
Prior Transfer Doc	0000456749
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jan 23, 2026
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	0000500184
Book / Page	500 / 184
Instrument Date	Jan 23, 2026
Instrument	26000165
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
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	301 POLLY ERWIN RD, ERWIN, TN 37650-3640

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNICOI TN
Recording Date	Feb 24, 2022
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	0000456749
Book / Page	456 / 749
Instrument Date	Feb 10, 2022
Instrument	22000479
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	DEBBIE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640

Mortgage

Document Number	0022000480
Date	Feb 24, 2022
Instrument	22000480

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Oct 28, 2019
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	427802
Book / Page	000427 / 000802
Instrument Date	Oct 25, 2019
Instrument	2066
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	DEBBIE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 POLLY ERWIN RD ERWIN TN 376503640, ERWIN, TN 37650-3640

Mortgage

Document Number	427805
Date	Oct 28, 2019
Book Page	000427/000805
Instrument	2067

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jun 22, 2018
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	0000413971
Book / Page	413 / 971
Instrument Date	Jun 20, 2018
Instrument	18001147
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$392.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640

Mortgage

Document Number	0018001148
Date	Jun 22, 2018
Instrument	18001148

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNICOI TN
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	407820
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 POLLY ERWIN RD ERWIN TN 376503640, ERWIN, TN 37650-3640

Mortgage

Document Number	407820
Date	Oct 31, 2017
Book Page	000407/000820
Instrument	1938

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	301 POLLY ERWIN RD, ERWIN, TN 37650-3640
Document Number	407476
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 POLLY ERWIN RD ERWIN TN 376503640, ERWIN, TN 37650-3640

Mortgage

Document Number	407476
Date	Oct 19, 2017
Book Page	000407/000476
Instrument	1832

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2047

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	$789.00	$30,225 (-) Land $3,700 Building $26,525	$120,900 (-) Land $14,800 Building $106,100
2024	$789.00 (+11.13%)
2023		$30,225 (-) Land $3,700 Building $26,525
2022	$710.00	$30,225 Land $3,700 Building $26,525	$120,900 Land $14,800 Building $106,100

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 7 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

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

Wildfire Risk	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% 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	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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Erwin Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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