416 Union St, Erwin, TN 37650 Property Records

Unicoi County property record for 416 Union St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,784 sqft · built 1915
Lot Size	0.214 acres (9,335 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Apr 2020)
Tax Bill	$865 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023N-Q-004.00`

Property Details

APN / Parcel Number

Primary APN	`023N-Q-004.00`
Alternative APNs	`086023N Q 00400` `000005808`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	1,060 sqft
Upper Floors Area	724 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,335 sqft (0.214 acres)
Lot Dimensions	188 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	436 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	416 UNION ST
City	ERWIN
State	TN
Zip	37650-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT 4 50X188
Legal Subdivision	A R BROWN
Legal Lot Number	4
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	1
Census Block	1003
Census Tract	80400

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	Individual Name on Record
Mailing Address	416 UNION ST, ERWIN, TN 37650-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Quit Claim Deed, Transfer · Conventional Mortgage EASTMAN CU
Apr 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2020 · Amount on Record
Deed Sale	Apr 20, 2020 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Document Number	2020691
Deed Book / Page	432 / 434
Last Transfer Date	Oct 27, 2021
Transfer Doc	0000002426
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Nov 2, 2021
Property Address	416 UNION ST, ERWIN, TN 37650-1748
Document Number	0000452387
Book / Page	452 / 387
Map Reference	MB 11 PG 425
Instrument Date	Oct 27, 2021
Instrument	21002426
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ECU TITLE AND ESCROW, ECU TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 UNION ST, ERWIN, TN 37650-1748

Mortgage

Document Number	0021002427
Date	Nov 2, 2021
Instrument	21002427

Lender

Name	EASTMAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 20, 2020
Property Address	416 UNION ST, ERWIN, TN 37650-1748
Document Number	0000432434
Book / Page	432 / 434
Instrument Date	Apr 17, 2020
Instrument	20000691
Transaction Type	Transfer
Record Updated	Jun 16, 2022
Title Company	DEBBIE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$566.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 UNION ST, ERWIN, TN 37650-1748

Mortgage

Document Number	432437
Date	Apr 20, 2020
Book Page	432/437
Instrument	20000692

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Unicoi County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Unicoi County
Municipality	Erwin Town
Unified School District	Unicoi County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$33,150 (-) Land $3,350 Building $29,800	$132,600 (-) Land $13,400 Building $119,200
2024	$865.00 (+11.04%)
2023		$33,150 (-) Land $3,350 Building $29,800
2022	$779.00	$33,150 Land $3,350 Building $29,800	$132,600 Land $13,400 Building $119,200

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% 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	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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Point Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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