325 Union St, Erwin, TN 37650 Property Records

Unicoi County property record for 325 Union St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,408 sqft · built 2017
Lot Size	0.123 acres (5,351 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (Jan 2018)
Tax Bill	$961 (2024)
Deeds & Mortgages	Dec 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`023N-K-020.00`

Property Details

APN / Parcel Number

Primary APN	`023N-K-020.00`
Alternative APNs	`086023N K 02000` `000012103`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,408 sqft Living Area
1st Floor Area	1,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,351 sqft (0.123 acres)
Lot Dimensions	104 ft deep x 52 ft wide
Porch	Finished/Open Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	325 UNION ST
City	ERWIN
State	TN
Zip	37650-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT PT17 52X104
Legal Subdivision	TOWN/ERWIN
Legal Lot Number	17
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	3
Census Block	3028
Census Tract	80400

Owner

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

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 File
Mailing Address	325 UNION ST, ERWIN, TN 37650-1147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Prior Sale	Oct 28, 2005 · Amount on Record
Deed Document Number	2018112
Deed Book / Page	409 / 886
Record Updated	Jun 8, 2026

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	UNICOI TN
Property Address	325 UNION ST, ERWIN, TN 37650-1147
Document Number	440418
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 4, 2021
Title Company	DEBBIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	440418
Date	Dec 21, 2020
Book Page	000440/000418
Instrument	2410

Lender

Name	CLINCHFIELD FCU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	336 Months
Due	Dec 20, 2048

Interest

Rate	3.85%

Tax Assessment & Valuation

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		$36,825 (-) Land $2,825 Building $34,000	$147,300 (-) Land $11,300 Building $136,000
2024	$961.00 (+10.97%)
2023		$36,825 (-) Land $2,825 Building $34,000
2022	$866.00	$36,825 Land $2,825 Building $34,000	$147,300 Land $11,300 Building $136,000

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
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

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

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 Utilities Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

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