386 Tumbling Creek Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 386 Tumbling Creek Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,010 sqft · built 1978
Lot Size	6.25 acres (272,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Feb 2024)
Tax Bill	$925 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-045.01`

Property Details

APN / Parcel Number

Primary APN	`056-045.01`
Alternative APNs	`086056 04501` `000010314`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	2 Stories
Building Area	2,010 sqft Living Area
1st Floor Area	1,560 sqft
Upper Floors Area	450 sqft
Basement Area	330 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	272,250 sqft (6.25 acres)
Terrain	Mountain

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	121 sqft
Deck Area	330 sqft
Patio Area	330 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Street Address	386 TUMBLING CREEK RD
City	ERWIN
State	TN
Zip	37650-6805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY AREA: R04
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1077
Census Tract	80100

Owner

Source: Unicoi County records, as of June 11, 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	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 16, 2021	Intrafamily Transfer, Transfer
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage APPALACHIAN COMMUNITY FCU
Nov 6, 2017	Warranty Deed, Transfer · ARM APPALACHIAN COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	2024171
Deed Book / Page	477 / 552
Prior Transfer Date	Dec 13, 2021
Prior Transfer Doc	0000045475
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Feb 1, 2024
Property Address	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805
Document Number	0000477552
Book / Page	477 / 552
Instrument Date	Feb 1, 2024
Instrument	24000171
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805

Mortgage

Document Number	0024000172
Date	Feb 1, 2024
Instrument	24000172

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNICOI TN
Recording Date	Dec 16, 2021
Property Address	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805
Document Number	0000045475
Book / Page	454 / 75
Instrument Date	Dec 13, 2021
Instrument	21002774
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5034 BOBBY HICKS HWY STE 2, 2, GRAY, TN 37615-6214

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	447651
Date	Jul 7, 2021
Book Page	447/651
Instrument	21001462

Lender

Name	APPALACHIAN COMMUNITY FCU
Type	Credit Union
Address	JOHNSON CITY, TN 37615

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Nov 6, 2017
Property Address	386 TUMBLING CREEK RD, ERWIN, TN 37650-6805
Document Number	0004071007
Book / Page	407 / 1007
Instrument Date	Oct 27, 2017
Instrument	17001978
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$414.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5034 BOBBY HICKS HWY STE 2, 2, GRAY, TN 37615-6214

Mortgage

Document Number	4071011
Date	Nov 6, 2017
Book Page	407/1011
Instrument	17001979

Lender

Name	APPALACHIAN COMMUNITY FCU
Type	Credit Union
Address	JOHNSON CITY, TN 37615

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

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	$925.00	$35,425 (-) Land $10,400 Building $25,025	$141,700 (-) Land $41,600 Building $100,100
2024	$925.00 (+11.04%)
2023		$35,425 (-) Land $10,400 Building $25,025
2022	$833.00	$35,425 Land $10,400 Building $25,025	$141,700 Land $41,600 Building $100,100

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 51% of the US · above 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
French Broad EMC Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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