324 Circle Dr, Mountain City, TN 37683 Property Records

Johnson County property record for 324 Circle Dr, Mountain City, TN 37683

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,284 sqft · built 1998
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Mar 2022)
Tax Bill	$1,937 (2022)
Deeds & Mortgages	Nov 2023 Transfer Nov 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`046041H B 00700`

Property Details

APN / Parcel Number

Primary APN	`046041H B 00700`
Alternative APN	`041H B 00700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,284 sqft Living Area
1st Floor Area	2,284 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2001
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,272 sqft (1.2 acres)
Lot Dimensions	304 ft deep x 212 ft wide
Terrain	Low
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	324 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	324 CIRCLE DR
City	MOUNTAIN CITY
State	TN
Zip	37683-1567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: F02
Legal Subdivision	HIGHWAY 91 & CIRCLE DRIVE
Jurisdiction	JOHNSON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2020
Census Tract	956300

Owner

Source: Johnson County records, as of January 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	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Correction Deed
Nov 7, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 2, 2022	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 21, 2021	Deed of Trust, Mortgage · Line of Credit JOHNSON COUNTY BANK
Mar 13, 2018	Deed of Trust, Mortgage · Line of Credit JOHNSON COUNTY BANK
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage JOHNSON COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on Record
Deed Sale	Mar 2, 2022 · Amount on Record
Prior Sale	Sep 30, 1993 · Amount on Record
Deed Document Number	2022586
Deed Book / Page	221 / 249
Last Transfer Date	Nov 7, 2023
Transfer Doc	000228/469
Record Updated	Jun 8, 2026

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	JOHNSON TN
Recording Date	Nov 7, 2023
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Document Number	000228/472
Book / Page	228 / 472
Map Reference	CAB 9 SL 311
Instrument Date	Nov 7, 2023
Instrument	23002658
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JOHNSON TN
Recording Date	Nov 7, 2023
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Document Number	000228/469
Book / Page	228 / 469
Map Reference	CAB 9 SL 311
Instrument Date	Nov 7, 2023
Instrument	23002657
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON TN
Recording Date	Mar 2, 2022
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Document Number	000221/249
Book / Page	221 / 249
Map Reference	MB 129 PG 178
Instrument Date	Mar 1, 2022
Instrument	22000586
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,406.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567

Mortgage

Document Number	0022000587
Date	Mar 2, 2022
Instrument	22000587

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TN
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567

Mortgage

Document Number	338/41
Date	Oct 21, 2021
Book Page	338/41
Instrument	21003273

Lender

Name	JOHNSON COUNTY BANK
Type	Bank
Address	MOUNTAIN CITY, TN 37683

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Oct 16, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TN
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000518
Date	Mar 13, 2018
Book Page	T306/446
Instrument	18000518

Lender

Name	JOHNSON COUNTY BANK
Type	Bank
Address	MOUNTAIN CITY, TN 37683

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 8, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON TN
Property Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CIRCLE DR, MOUNTAIN CITY, TN 37683-1567

Mortgage

Document Number	0000003023
Date	Dec 3, 2020
Book Page	327/391
Instrument	20003023

Lender

Name	JOHNSON COUNTY BANK
Type	Bank
Address	MOUNTAIN CITY, TN 37683

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 27, 2050

Tax Assessment & Valuation

Source: Johnson County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Johnson County
Municipality	Mountain City Town
Unified School District	Johnson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$69,225 (-) Land $9,275 Building $59,950
2023		$69,225 (+0.76%) Land $9,275 Building $59,950
2022	$1,937.00	$68,700 Land $9,275 Building $59,425	$274,800 (-0.76%) Land $37,100 Building $237,700
2021			$276,900 Land $37,100 Building $239,800

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 June 16, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	12 (2001–2024)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 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 51% of the US · above 69% of Tennessee
Wildfire Likelihood	0.1% 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	MOUNTAIN CITY WATER DEPT serves 9,304 people · EPA ID TN0000479
Water Source	Surface water
Last State Inspection	Sep 2024
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	3 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Skyline Telephone, Verizon.

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