418 Railroad St, Erwin, TN 37650 Property Records

Unicoi County property record for 418 Railroad St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,618 sqft · built 1955
Lot Size	0.342 acres (14,896 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Sep 2023)
Tax Bill	$1,397 (2024)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023D-A-015.00`

Property Details

APN / Parcel Number

Primary APN	`023D-A-015.00`
Alternative APNs	`03023DA023D01500` `086023D A 01500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	1,858 sqft
1st Floor Area	1,618 sqft
Basement Area	24 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,896 sqft (0.342 acres)
Lot Dimensions	126 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	60 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	418 RAILROAD ST
City	ERWIN
State	TN
Zip	37650-9272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB C PG 343 LOT 2 120X126 IRR
Legal Subdivision	OLIVE TAPP DIV
Legal Lot Number	2
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	4
Census Block	4051
Census Tract	80200

Owner

418 Railroad St is owned and occupied by two individuals who bought it in September 2023.

Source: Unicoi County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	418 RAILROAD ST, ERWIN, TN 37650-9272
Occupancy	Owner Occupied
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
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage EASTMAN CREDIT UNION
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Sep 1, 2023	Quit Claim Deed, Transfer RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW LLC
Jul 8, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Jul 8, 2021 · Amount on File
Deed Document Number	20231609
Deed Book / Page	473 / 559
Prior Transfer Date	Aug 29, 2023
Prior Transfer Doc	0000001607
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Recording Date	May 12, 2026
Property Address	418 RAILROAD ST, ERWIN, TN 37650-9272
Document Number	0000000966
Book / Page	503 / 640
Instrument Date	May 7, 2026
Instrument	2026966
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000966,
Date	May 12, 2026
Book Page	503/640
Instrument	2026966

Lender

Name	EASTMAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Sep 1, 2023
Property Address	418 RAILROAD ST, ERWIN, TN 37650-9272
Document Number	0000473559
Book / Page	473 / 559
Map Reference	MB C PG 343
Instrument Date	Aug 30, 2023
Instrument	23001609
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	418 RAILROAD ST, ERWIN, TN 37650-9272

Mortgage

Document Number	0023001610
Date	Sep 1, 2023
Instrument	23001610

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Sep 1, 2023
Property Address	418 RAILROAD ST, ERWIN, TN 37650-9272
Document Number	0000473555
Book / Page	473 / 555
Map Reference	MB C PG 343
Instrument Date	Aug 28, 2023
Instrument	23001608
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	418 RAILROAD ST, ERWIN, TN 37650-9272

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 8, 2021
Property Address	418 RAILROAD ST, ERWIN, TN 37650-9272
Document Number	0000447806
Book / Page	447 / 806
Instrument Date	Jun 7, 2021
Instrument	21001483
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$814.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	418 RAILROAD ST, ERWIN, TN 37650-9272

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		$53,500 (-) Land $3,350 Building $50,150	$214,000 Land $13,400 Building $200,600
2024	$1,397.00	$53,500 (+1.33%) Land $3,350 Building $50,150
2023		$52,800 (-) Land $2,650 Building $50,150
2022	$1,241.00	$52,800 Land $2,650 Building $50,150	$214,000 Land $13,400 Building $200,600

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 418 Railroad 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 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2001–2012)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2012 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Aug 2001 · 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 418 Railroad St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.05% 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	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 255 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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