4426 Flat Rd, Cosby, TN 37722 Property Records

Cocke County property record for 4426 Flat Rd, Cosby, TN 37722

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,040 sqft · built 2000
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Jul 2018)
Tax Bill	$682 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015120 08506`

Property Details

APN / Parcel Number

Primary APN	`015120 08506`
Alternative APN	`120 08506`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	159 ft deep x 125 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	4426 FLAT RD
City	COSBY
State	TN
Zip	37722-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09, COUNTY AREA: X02
Jurisdiction	COCKE TN
Township / Civil Division	5
Census Block Group	1
Census Block	1098
Census Tract	920700

Owner

Source: Cocke County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4426 FLAT RD, COSBY, TN 37722-2200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	201817487
Deed Book / Page	1488 / 629
Record Updated	Sep 20, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COCKE TN
Recording Date	Jul 11, 2018
Property Address	4426 FLAT RD, COSBY, TN 37722-2200
Document Number	1488629
Book / Page	001488 / 000629
Instrument Date	Jul 6, 2018
Instrument	17487
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	PROFESSIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$443.63
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	4426 FLAT RD COSBY TN 377222200, COSBY, TN 37722-2200

Mortgage

Document Number	1488632
Date	Jul 11, 2018
Book Page	001488/000632
Instrument	17488

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

Source: Cocke County assessment roll, as of February 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$682.00 (+34.78%)	$45,500 (+130.38%) Land $1,775 Building $43,725	$182,000 (+130.38%) Land $7,100 Building $174,900
2024	$506.00	$19,750 (-) Land $1,225 Building $18,525
2023	$506.00 (-0.2%)	$19,750 (-) Land $1,225 Building $18,525
2022	$507.00	$19,750 Land $1,225 Building $18,525	$79,000 (-) Land $4,900 Building $74,100
2020			$79,000 Land $4,900 Building $74,100

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 September 25, 2009 · 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 Policies	8 in force
Nearby Flood Claims	2 (2004–2020)
Most Recent Claim	Feb 2020 · other causes

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 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% 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	NEWPORT UTILITIES BOARD serves 34,925 people · EPA ID TN0000500
Water Source	Surface water
Last State Inspection	Nov 2024
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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Newport Utilities Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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