381 Co Rd 784, Etowah, TN 37331 Property Records

McMinn County property record for 381 Co Rd 784, Etowah, TN 37331

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,066 sqft · built 2019
Lot Size	5.11 acres (223,027 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,100 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054125 02100`

Property Details

APN / Parcel Number

Primary APN	`054125 02100`
Alternative APNs	`125 02100 00004125` `125 02100`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,066 sqft Living Area
1st Floor Area	3,685 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	223,027 sqft (5.11 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	402 sqft
Patio Area	147 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	125 02100 00004125
Street Address	381 COUNTY ROAD 784
City	ETOWAH
State	TN
Zip	37331-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04 04 123 123 01100 000, COUNTY AREA: I01
Legal Subdivision	CEDRIC SHARP PROP TR 1
Legal Tract	1
Jurisdiction	MCMINN TN
Township / Civil Division	4
Census Block Group	3
Census Block	3003
Census Tract	970700

Owner

381 Co Rd 784 is owned by two individuals who acquired it in September 2021.

Source: McMinn County records, as of February 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	395 COUNTY ROAD 784, ETOWAH, TN 37331-5120
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

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Oct 13, 2020	Warranty Deed, Transfer TITLE INSURANCE COMPANY, TITLE INSURANCE CO
Apr 20, 2020	Deed of Trust, Mortgage CAPSTAR BK
Mar 7, 2017	Deed of Trust, Mortgage · Line of Credit ATHENS FED'L CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021
Deed Sale	Sep 27, 2021
Prior Sale	Aug 28, 2003 · Amount on File
Deed Document Number	000022W824
Deed Book / Page	22K / 260
Prior Transfer Date	Oct 13, 2020
Prior Transfer Doc	218870
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	381 COUNTY ROAD 784, ETOWAH, TN 37331-5120
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001239802
Date	May 24, 2021
Book Page	1239/802
Instrument	225354

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Oct 13, 2020
Property Address	395 COUNTY ROAD 784, ETOWAH, TN 37331-5120
Document Number	22J260
Book / Page	00022J / 000260
Instrument Date	Oct 9, 2020
Instrument	218870
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	TITLE INSURANCE COMPANY, TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$148.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6293 BLUE SPRINGS RD CLEVELAND TN 373118882, CLEVELAND, TN 37311-8882

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	395 COUNTY ROAD 784, ETOWAH, TN 37331-5120
Document Number	1196821
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	395 COUNTY ROAD 784 ETOWAH TN 373315120, ETOWAH, TN 37331-5120

Mortgage

Document Number	1196821
Date	Apr 27, 2020
Book Page	001196/000821
Instrument	214488

Lender

Name	CAPSTAR BK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	395 COUNTY ROAD 784, ETOWAH, TN 37331-5120
Document Number	1114528
Book / Page	001114 / 000528
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 COUNTY ROAD 784 ETOWAH TN 37331, ETOWAH, TN 37331

Mortgage

Document Number	1114528
Date	Mar 14, 2017
Book Page	001114/000528
Instrument	187970

Lender

Name	ATHENS FED'L CMNTY BK
Type	Bank
Address	ATHENS, TN 37303

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 381 Co Rd 784 was $1,100, up 0.1% from the year before.

Source: McMinn County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	McMinn County
Unified School District	McMinn County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,100.00 (+0.09%)	$101,650 (+0.12%) Land $12,075 Building $89,575
2024	$1,099.00	$101,525 (-) Land $11,950 Building $89,575
2023	$1,099.00 (+9.24%)	$101,525 (+56.13%) Land $11,950 Building $89,575	$406,600 (+56.32%) Land $48,300 Building $358,300
2022	$1,006.00	$65,025 Land $8,325 Building $56,700	$260,100 Land $33,300 Building $226,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 381 Co Rd 784 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 Policies	1 in force

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 381 Co Rd 784 is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 73% of Tennessee
Wildfire Likelihood	0.2% 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	ETOWAH UTILITIES serves 12,851 people · EPA ID TN0000233
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
America Internet & Communications Fixed Wireless	75 / 25
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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