405 Old Hwy Rd, Erwin, TN 37650 Property Records

Unicoi County property record for 405 Old Hwy Rd, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,440 sqft · built 1971
Lot Size	1.1 acres (47,916 sqft)
Owner	Company Name on Record
Last Sale	$242,000 (Feb 2023)
Tax Bill	$758 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-032.00`

Property Details

APN / Parcel Number

Primary APN	`045-032.00`
Alternative APNs	`0204504503200` `086045 03200`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,440 sqft Living Area
1st Floor Area	1,744 sqft
Basement Area	696 sqft
Finished Basement	696 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	47,916 sqft (1.1 acres)
Terrain	Mountain

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	268 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 OLD HIGHWAY RD
City	ERWIN
State	TN
Zip	37650-5422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ETALS: DONNA COOPER & LISA WEST
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	1
Census Block	1023
Census Tract	80100

Owner

Source: Unicoi County records, as of March 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 13, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 9, 2017	Warranty Deed, Transfer · VA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2023 · Amount on Record
Deed Sale	Feb 13, 2023 · Amount on Record
Prior Sale	May 9, 2017 · Amount on Record
Deed Document Number	2023269
Deed Book / Page	467 / 674
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422

Mortgage

Document Number	0000495705
Date	Sep 9, 2025
Book Page	495/705
Instrument	25001994

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Feb 13, 2023
Property Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422
Document Number	0000467674
Book / Page	467 / 674
Instrument Date	Feb 10, 2023
Instrument	23000269
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$895.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422

Mortgage

Document Number	0023000270
Date	Feb 13, 2023
Instrument	23000270

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	May 9, 2017
Property Address	405 OLD HIGHWAY RD, ERWIN, TN 37650-5422
Document Number	403469
Book / Page	000403 / 000469
Instrument Date	Apr 11, 2017
Instrument	837
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ASPEN TITLE COMPANY, ASPEN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 OLD HIGHWAY RD ERWIN TN 37650, ERWIN, TN 37650

Mortgage

Document Number	403472
Date	May 9, 2017
Book Page	000403/000472
Instrument	838

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

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	$758.00	$29,025 (-) Land $4,125 Building $24,900	$116,100 (-) Land $16,500 Building $99,600
2024	$758.00 (+11.14%)
2023		$29,025 (-) Land $4,125 Building $24,900
2022	$682.00	$29,025 Land $4,125 Building $24,900	$116,100 Land $16,500 Building $99,600

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 56% of the US · above 75% of Tennessee
Wildfire Likelihood	0.2% 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	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
Lead	Under 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Erwin Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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