McMinn County property record for 500 Cherry St, Athens, TN 37303
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,872 sqft · built 1997 |
| Lot Size | 9.1 acres (396,396 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Mar 1995) |
| Tax Bill | $1,730 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054057 09900 |
| Primary APN | 054057 09900 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Upper Floors Area | 1,440 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 396,396 sqft (9.1 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
|---|---|
| Porch Area | 600 sqft |
| Deck Area | 480 sqft |
| Patio Area | 480 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Pole Barn | 1,440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | 057 09900 00002057 |
|---|---|
| Street Address | 500 CHERRY ST |
| City | ATHENS |
| State | TN |
| Zip | 37303-6499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02 02 054 054 01900 000, COUNTY AREA: D01 1 ADDITIONAL MOBILE HOME |
| Jurisdiction | MCMINN TN |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 970401 |
500 Cherry St is owned and occupied by two individuals who bought it in March 1995.
Source: McMinn County records, as of February 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 500 CHERRY ST, ATHENS, TN 37303-6499 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Commercial Mortgage OLD NATIONAL BANK |
| Dec 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ATHENS FEDERAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 1995 · Amount on File |
| Deed Sale | Mar 9, 1995 · Amount on File |
| Deed Document Number | 0000013D17 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCMINN TN |
| Property Address | 500 CHERRY ST, ATHENS, TN 37303-6499 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 500 CHERRY ST, ATHENS, TN 37303-6499 |
| Document Number | 0001394366 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 1394/366 |
| Instrument | 268696 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 1 MAIN ST, EVANSVILLE, IN 47708 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 20, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCMINN TN |
| Property Address | 500 CHERRY ST, ATHENS, TN 37303-6499 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1132115 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 1132/115 |
| Instrument | 194067 |
| Name | ATHENS FEDERAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 500 Cherry St was $1,730.
Source: McMinn County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| Municipality | Athens City |
| County | McMinn County |
| Elementary School District | Athens City Schools (PK - 08) |
| Secondary School District | McMinn County School District in Athens (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,730.00 | $82,775 (-) Land $22,325 Building $60,450 | |
| 2024 | $1,730.00 | $82,775 (-) Land $22,325 Building $60,450 | |
| 2023 | $1,730.00 (+10.97%) | $82,775 (+53.71%) Land $22,325 Building $60,450 | $331,100 (+53.71%) Land $89,300 Building $241,800 |
| 2022 | $1,559.00 | $53,850 Land $12,750 Building $41,100 | $215,400 Land $51,000 Building $164,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 500 Cherry St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (1994–2003) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 500 Cherry St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 67% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ATHENS UTILITIES BOARD serves 26,424 people · EPA ID TN0000024 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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