404 Oneida Trce, Loudon, TN 37774 Property Records

Loudon County property record for 404 Oneida Trce, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,356 sqft · built 2000
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,861 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042F-H-004.00`

Property Details

APN / Parcel Number

Primary APN	`042F-H-004.00`
Alternative APNs	`042F H 00400 000042F` `01042FH042F00400` `053042F H 00400`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	4,356 sqft Living Area
Gross Area	6,304 sqft
1st Floor Area	4,356 sqft
Basement Area	620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.57 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,146 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	262 sqft
Deck Area	264 sqft
Patio Area	484 sqft
Boat Access	Boat Access
Boat House	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 ONEIDA TRCE
City	LOUDON
State	TN
Zip	37774-2169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOMMOTLEY COVES BLK: 10 LOT: 4 01 046H J 046G 00400 000
Legal Subdivision	TOMMOTLEY COVES
Legal Block	10
Legal Lot Number	4
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	60503

Owner

Source: Loudon County records, as of December 29, 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 Record
Mailing Address	404 ONEIDA TRCE, LOUDON, TN 37774-2169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2013
Deed Sale	Apr 12, 2013
Prior Sale	Apr 28, 2004
Deed Document Number	20133408
Deed Book / Page	361 / 54
Transfer Doc	0284000346
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	404 ONEIDA TRCE, LOUDON, TN 37774-2169
Transaction Type	Mortgage
Record Updated	Jul 18, 2023
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 ONEIDA TRCE, LOUDON, TN 37774-2169

Mortgage

Document Number	00T1655/37
Date	Jul 6, 2023
Book Page	T1655/37
Instrument	23005903

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	LENOIR CITY, TN 37772

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	May 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	404 ONEIDA TRCE, LOUDON, TN 37774-2169
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007677
Date	Aug 5, 2020
Book Page	T1471/736
Instrument	20007677

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Loudon County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,861.00	$274,875 (-) Land $93,750 Building $181,125	$1,099,500 (-) Land $375,000 Building $724,500
2024	$4,861.00	$274,875 (-) Land $93,750 Building $181,125
2023		$274,875 Land $93,750 Building $181,125
2021			$1,099,500 Land $375,000 Building $724,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 16, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

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

Wildfire Risk	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	TELLICO VILLAGE P.O.A. private · serves 15,233 people · EPA ID TN0000871
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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