404 Wharf St, Loudon, TN 37774 Property Records

Loudon County property record for 404 Wharf St, Loudon, TN 37774

Property Summary

Property Type	Commercial
Details	6.5 ba · 7,943 sqft · built 1928
Lot Size	0.123 acres (5,336 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Jul 2026)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`041A-B-014.00`

Property Details

APN / Parcel Number

Primary APN	`041A-B-014.00`
Alternative APNs	`041A B 01400 000041A` `01041AB041A01400` `053041A B 01400`

Interior

Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Units	2 Units
Stories	1 Story
Building Area	7,943 sqft Gross Area
1st Floor Area	7,943 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Roof Type	Shed Roof
Roof Material	Built-Up Asphalt
Lot Area	5,336 sqft (0.123 acres)
Lot Dimensions	119 ft deep x 47 ft wide
Utility Building	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 WHARF ST
City	LOUDON
State	TN
Zip	37774-1250
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C-1
Legal Description	TOWN OF LOUDON LOT: 96 01 044C D 044C 01100 000 46.5 X 119 M
Legal Subdivision	TOWN OF LOUDON
Legal Lot Number	96
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1039
Census Tract	60600

Owner

404 Wharf St, a commercial property, is owned by two individuals who bought it in July 2026.

Source: Loudon County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	157 ASHTON FIELDS DR, LENOIR CITY, TN 37772-2008
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage VALLEY BANK
Nov 27, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 2, 2021	Intrafamily Transfer, Transfer SOUTHEASTERN TITLE AND ABSTRACT, SOUTHEASTERN TTL & ABSTRACT
Sep 27, 2021	Warranty Deed, Transfer
Aug 7, 2019	Deed of Trust, Mortgage JOHN T & JODIE E M JOHNSON
Feb 28, 2018	Deed of Trust, Mortgage JOHN T & JODIE E M JOHNSON
Feb 21, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on File
Deed Sale	Jul 28, 2026 · Amount on File
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	20267408
Deed Book / Page	499 / 428
Prior Transfer Date	Nov 22, 2023
Prior Transfer Doc	0T1672/318
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Jul 28, 2026
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	0000007408
Book / Page	499 / 428
Instrument Date	Jul 28, 2026
Instrument	20267408
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	SOUTHEASTERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261,590.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 ASHTON FIELDS DR, LENOIR CITY, TN 37772-2008
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007409,
Date	Jul 28, 2026
Instrument	20267409

Lender

Name	VALLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 28, 2031

Interest

Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDON TN
Recording Date	Nov 27, 2023
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	0T1672/318
Book / Page	T1672 / 318
Instrument Date	Nov 22, 2023
Instrument	23010647
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Relationship	Family Trust
Address	404 WHARF ST, LOUDON, TN 37774-1250

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDON TN
Recording Date	Nov 2, 2021
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	D0441/575
Book / Page	D0441 / 575
Instrument Date	Oct 28, 2021
Instrument	21014096
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	SOUTHEASTERN TITLE AND ABSTRACT, SOUTHEASTERN TTL & ABSTRACT

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	304 WHARF ST, LOUDON, TN 37774-1248

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Sep 27, 2021
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	D0440/200
Book / Page	D0440 / 200
Instrument Date	Sep 23, 2021
Instrument	21012404
Transaction Type	Transfer
Record Updated	Oct 6, 2021

Transaction

Amount	Amount on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 WVLD ST, LOUDON, TN 37774

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	0000007309
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 WHARF ST LOUDON TN 377741250, LOUDON, TN 37774-1250

Mortgage

Document Number	0000007309
Date	Aug 23, 2019
Book Page	001419/000755
Instrument	7309

Lender

Name	JOHN T & JODIE E M JOHNSON
Address	605 SMITHVIEW DR, MARYVILLE, TN 37803-6100

Agreement

Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	0000004780
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 WHARF ST LOUDON TN 377741250, LOUDON, TN 37774-1250

Mortgage

Document Number	0000004780
Date	Jun 11, 2018
Book Page	001371/000433
Instrument	4780

Lender

Name	JOHN T & JODIE E M JOHNSON
Address	605 SMITHVIEW DR, MARYVILLE, TN 37803-6100

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jun 10, 2021

February 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	LOUDON TN
Recording Date	Feb 21, 2017
Property Address	404 WHARF ST, LOUDON, TN 37774-1250
Document Number	0000001462
Book / Page	000391 / 000814
Instrument Date	Feb 10, 2016
Instrument	1462
Transaction Type	Foreclosure
Record Updated	Feb 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$828.80
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 100 TOWNSEND TN 378820100, TOWNSEND, TN 37882-0100

Tax Assessment & Valuation

The 2025 property tax bill for 404 Wharf St was $4,590, up 67.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,590.00 (+67.27%)	$155,200 (-) Land $10,760 Building $144,440	$388,000 Land $26,900 Building $361,100
2024	$2,744.00	$155,200 (-) Land $10,760 Building $144,440
2023		$155,200 (-) Land $10,760 Building $144,440
2022	$1,706.00	$155,200 Land $10,760 Building $144,440	$388,000 (-) Land $26,900 Building $361,100
2021			$388,000 Land $26,900 Building $361,100

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

FEMA maps place 404 Wharf St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 Wharf St is low, with a 0.01% annual chance of 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	Indirect within 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	LOUDON UTILITIES BOARD serves 16,047 people · EPA ID TN0000409
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	2 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Wharf St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures