409 High St, Athens, TN 37303 Property Records

McMinn County property record for 409 High St, Athens, TN 37303

Property Summary

Property Type	Duplex
Details	2 ba · 1,846 sqft · built 1950
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Nov 2025)
Tax Bill	$1,404 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054057P A 03800`

Property Details

APN / Parcel Number

Primary APN	`054057P A 03800`
Alternative APNs	`057P A 03800 00003057P` `057P A 03800`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,846 sqft Living Area
1st Floor Area	1,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	52 ft deep x 90 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	057P A 03800 00003057P
Street Address	409 HIGH ST
City	ATHENS
State	TN
Zip	37303-4319
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	DISTRICT: 03 03 063C A 063C 00700 000, COUNTY AREA: D01
Legal Subdivision	MORNINGSIDE
Legal Block	10
Legal Lot Number	1-2 2
Jurisdiction	MCMINN TN
Township / Civil Division	3
Census Block Group	1
Census Block	1023
Census Tract	970401

Owner

409 High St, a duplex, is owned by an individual who bought it in November 2025.

Source: McMinn County records, as of February 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	495 COUNTY ROAD 571, ENGLEWOOD, TN 37329-7107
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Deed Document Number	000024W372
Deed Book / Page	24W / 372
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Nov 3, 2025
Property Address	409 HIGH ST, ATHENS, TN 37303-4319
Document Number	000024W372
Book / Page	24W / 372
Instrument Date	Nov 3, 2025
Instrument	269133
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 COUNTY ROAD 571, ENGLEWOOD, TN 37329-7107

Mortgage

Document Number	0001396425
Date	Nov 4, 2025
Book Page	1396/425
Instrument	269156

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	12501 LAKEFRONT PL, LOUISVILLE, KY 40299

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 409 High St was $1,404.

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

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Athens City
County	McMinn County
Elementary School District	Athens City Schools (PK - 08)
Secondary School District	McMinn County School District in Athens (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,404.00	$67,200 (-) Land $2,600 Building $64,600
2024	$1,404.00	$67,200 (-) Land $2,600 Building $64,600
2023	$1,404.00 (+13.5%)	$67,200 (+57.3%) Land $2,600 Building $64,600	$168,000 (+57.3%) Land $6,500 Building $161,500
2022	$1,237.00	$42,720 Land $3,320 Building $39,400	$106,800 Land $8,300 Building $98,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 409 High St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1994–2003)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 2 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

Wildfire risk around 409 High St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHENS UTILITIES BOARD serves 26,424 people · EPA ID TN0000024
Water Source	Surface water
Last State Inspection	Nov 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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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