441 Lake Dr, Piney Flats, TN 37686 Property Records

Sullivan County property record for 441 Lake Dr, Piney Flats, TN 37686

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,418 sqft · built 1996
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on File
Last Sale	$434,000 (Oct 2018)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Jul 2023 Construction Loan Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082109I A 00400`

Property Details

APN / Parcel Number

Primary APN	`082109I A 00400`
Alternative APN	`109I A 00400`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,418 sqft Living Area
1st Floor Area	1,867 sqft
Upper Floors Area	918 sqft
Basement Area	1,867 sqft
Finished Basement	1,867 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	68,389 sqft (1.57 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	897 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	452 sqft
Deck Area	456 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	441 LAKE DR
City	PINEY FLATS
State	TN
Zip	37686-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DISTRICT: 20, COUNTY AREA: A46
Legal Subdivision	CANDLEWOOD CREEK SUB
Legal Lot Number	2
Jurisdiction	SULLIVAN TN
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	43301

Owner

441 Lake Dr is owned and occupied by two individuals who bought it in October 2018.

Source: Sullivan County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	441 LAKE DR, PINEY FLATS, TN 37686-3535
Occupancy	Owner Occupied
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

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Construction Mortgage EASTMAN CU
Aug 14, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Oct 19, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Prior Sale	Jul 27, 2015 · Amount on File
Deed Document Number	18019351
Deed Book / Page	3309 / 0247
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SULLIVAN TN
Property Address	441 LAKE DR, PINEY FLATS, TN 37686-3535
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035661487
Date	Jul 24, 2023
Book Page	3566/1487
Instrument	23012046

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SULLIVAN TN
Property Address	441 LAKE DR, PINEY FLATS, TN 37686-3535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3397649
Date	Aug 14, 2020
Book Page	3397/649
Instrument	20015712

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SULLIVAN TN
Recording Date	Oct 19, 2018
Property Address	441 LAKE DR, PINEY FLATS, TN 37686-3535
Document Number	3309247
Book / Page	003309 / 000247
Instrument Date	Oct 17, 2018
Instrument	18019351
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	EVERGREEN TITLE AND CLOSING LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,605.80
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	441 LAKE DR PINEY FLATS TN 376863535, PINEY FLATS, TN 37686-3535

Mortgage

Document Number	3309250
Date	Oct 19, 2018
Book Page	003309/000250
Instrument	18019352

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 441 Lake Dr was $2,678.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Sullivan County
Unified School District	Sullivan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,678.00	$166,050 Land $10,775 Building $155,275	$664,200 Land $43,100 Building $621,100
2023		$101,875 (-) Land $10,775 Building $91,100
2022	$2,451.00	$101,875 Land $10,775 Building $91,100
2021			$407,500 Land $43,100 Building $364,400

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 441 Lake Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective August 2, 2024 · 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
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2013 · rainfall accumulation

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 441 Lake Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% 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	BLOUNTVILLE UTILITY DISTRICT serves 15,647 people · EPA ID TN0000058
Water Source	Purchased surface water from BRISTOL DEPT OF UTILITIES
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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