4430 Flat Rd, Cosby, TN 37722 Property Records

Cocke County property record for 4430 Flat Rd, Cosby, TN 37722

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,664 sqft · built 2018
Lot Size	0.5 acres (21,780 sqft)
Owner	Owner Name on Record
Tax Bill	$809 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015120 08501`

Property Details

APN / Parcel Number

Primary APN	`015120 08501`
Alternative APN	`120 08501`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Architectural Style	Mobile/Manufactured
Exterior Material	Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	157 ft deep x 175 ft wide
Terrain	Mountain
Deck Area	30 sqft
Patio Area	138 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	4430 FLAT RD
City	COSBY
State	TN
Zip	37722-2200
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile 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 January 30, 2026

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

Owner of Record	Owner Name on Record
Mailing Address	102 GREASY COVE RD, COSBY, TN 37722-2927

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 29, 2018	Deed of Trust, Mortgage MORTGAGE INVTRS
Jun 5, 2018	Deed of Trust, Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 16, 2007
Transfer Doc	1254593
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCKE TN
Property Address	4430 FLAT RD, COSBY, TN 37722-2200
Transaction Type	Mortgage
Record Updated	Sep 30, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4430 FLAT RD, COSBY, TN 37722-2200

Mortgage

Document Number	0016020481
Date	Sep 15, 2022
Book Page	1602/481
Instrument	22004679

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	95 Months
Due	Aug 21, 2030

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCKE TN
Property Address	4430 FLAT RD, COSBY, TN 37722-2200
Transaction Type	Mortgage
Record Updated	Jul 1, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015900590
Date	May 5, 2022
Book Page	1590/590
Instrument	22002385

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Feb 15, 2037

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCKE TN
Property Address	4430 FLAT RD, COSBY, TN 37722-2200
Document Number	1491750
Instrument Date	Aug 29, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4430 FLAT RD COSBY TN 377222200, COSBY, TN 37722-2200

Mortgage

Document Number	1491750
Date	Aug 30, 2018
Book Page	001491/000750
Instrument	18219

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COCKE TN
Property Address	4430 FLAT RD, COSBY, TN 37722-2200
Document Number	1486646
Instrument Date	Jun 5, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 GREASY COVE RD COSBY TN 377222927, COSBY, TN 37722-2927

Mortgage

Document Number	1486646
Date	Jun 8, 2018
Book Page	001486/000646
Instrument	17001

Lender

Name	PEOPLES BK
Type	Bank
Address	KNOXVILLE, TN 37919

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$809.00 (+21.84%)	$53,975 (+108%) Land $1,800 Building $52,175	$215,900 (+108%) Land $7,200 Building $208,700
2024	$664.00	$25,950 (-) Land $1,225 Building $24,725
2023	$664.00 (-0.3%)	$25,950 (-) Land $1,225 Building $24,725
2022	$666.00	$25,950 Land $1,225 Building $24,725	$103,800 (-) Land $4,900 Building $98,900
2020			$103,800 Land $4,900 Building $98,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

4G LTE (outdoors only), no 5G reported

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