404 Cripple Creek Loop, Watauga, TN 37694 Property Records

Carter County property record for 404 Cripple Creek Loop, Watauga, TN 37694

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,488 sqft · built 1994
Lot Size	4.02 acres (175,111 sqft)
Owner	Individual Name on File
Tax Bill	$1,777 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010026 03801`

Property Details

APN / Parcel Number

Primary APN	`010026 03801`
Alternative APN	`026 03801`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	1,604 sqft
Upper Floors Area	884 sqft
Basement Area	1,604 sqft
Unfinished Basement	1,604 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	175,111 sqft (4.02 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	2,049 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Enclosed Porch
Porch Area	888 sqft
Deck Area	714 sqft
Patio Area	910 sqft
Shed	1 Shed
Shed Area	336 sqft
Gazebo	196 sqft
Pole Barn	864 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	404 CRIPPLE CREEK LOOP
City	WATAUGA
State	TN
Zip	37694-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 13, COUNTY AREA: B99
Jurisdiction	CARTER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1061
Census Tract	71100

Owner

404 Cripple Creek Loop is owned and occupied by an individual who acquired it in April 2012.

Source: Carter County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	404 CRIPPLE CREEK LOOP, WATAUGA, TN 37694-3126
Occupancy	Owner Occupied
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
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit NORTHWEST COMMUNITY CU
Aug 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTHEAST COMMUNITY CU
Feb 1, 2019	Loan Modification, Mortgage · Conventional Mortgage NORTHEAST CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2012
Deed Sale	Apr 4, 2012
Deed Document Number	12001982
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	404 CRIPPLE CREEK LOOP, WATAUGA, TN 37694-3126
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007394
Date	Nov 14, 2025
Book Page	621/766
Instrument	25007394

Lender

Name	NORTHWEST COMMUNITY CU
Type	Credit Union
Address	ELIZABETHTON, TN 37643

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 13, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Property Address	404 CRIPPLE CREEK LOOP, WATAUGA, TN 37694-3126
Transaction Type	Mortgage
Record Updated	Sep 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004764
Date	Aug 21, 2023
Book Page	535/826
Instrument	23004764

Lender

Name	NORTHEAST COMMUNITY CU
Type	Credit Union
Address	ELIZABETHTON, TN 37643

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 18, 2033

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARTER TN
Property Address	404 CRIPPLE CREEK LOOP, WATAUGA, TN 37694-3126
Document Number	0000001007
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CRIPPLE CREEK LOOP WATAUGA TN 376943126, WATAUGA, TN 37694-3126

Mortgage

Document Number	0000001007
Date	Feb 26, 2019
Book Page	000342/000649
Instrument	1007

Lender

Name	NORTHEAST CMNTY CU
Address	ELIZABETHTON, TN 37643

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 25, 2029

Interest

Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 404 Cripple Creek Loop was $1,777.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,777.00	$81,525 Land $12,675 Building $68,850
2023		$81,525 (-) Land $12,675 Building $68,850
2022	$1,655.00	$81,525 Land $12,675 Building $68,850	$326,100 (-) Land $50,700 Building $275,400
2021			$326,100 Land $50,700 Building $275,400

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

Flood

FEMA maps place 404 Cripple Creek Loop in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective February 14, 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	3 in force
Nearby Flood Claims	5 (2011–2020)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Apr 2020 · river or lake flooding

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 404 Cripple Creek Loop is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.08% 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	ELIZABETHTON WATER DEPT serves 32,490 people · EPA ID TN0000221
Water Source	Purchased surface water from WATAUGA RIVER REG WATER AUTH
Last State Inspection	Feb 2025
Lead	1 ppb (2026–2028) 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 47 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 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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