500 Duncan St, Erwin, TN 37650 Property Records

Unicoi County property record for 500 Duncan St, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,660 sqft · built 1960
Lot Size	0.522 acres (22,731 sqft)
Owner	Individual Name on Record
Tax Bill	$976 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031P-D-006.05`

Property Details

APN / Parcel Number

Primary APN	`031P-D-006.05`
Alternative APNs	`086031P D 00605` `000008955`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,660 sqft Living Area
Gross Area	2,768 sqft
1st Floor Area	2,660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,731 sqft (0.522 acres)
Lot Dimensions	131 ft deep x 160 ft wide

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	96 sqft
Utility Building	668 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	500 DUNCAN ST
City	ERWIN
State	TN
Zip	37650-9234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	160X131
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2018
Census Tract	80200

Owner

Source: Unicoi County records, as of February 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	500 DUNCAN ST, ERWIN, TN 37650-9234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Jan 30, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage CLINCHFIELD FEDERAL CREDIT UNION
May 23, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2004
Deed Sale	May 28, 2004
Deed Book / Page	271 / 606
Last Transfer Date	Jan 30, 2026
Transfer Doc	0000500379
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	500 DUNCAN ST, ERWIN, TN 37650-9234
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045650
Date	Feb 8, 2022
Book Page	456/50
Instrument	22000319

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2042

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNICOI TN
Recording Date	Jan 30, 2026
Property Address	500 DUNCAN ST, ERWIN, TN 37650-9234
Document Number	0000500379
Book / Page	500 / 379
Instrument Date	Jan 30, 2026
Instrument	26000221
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 DUNCAN ST, ERWIN, TN 37650-9234

Mortgage

Document Number	0026000222
Date	Jan 30, 2026
Instrument	26000222

Lender

Name	CLINCHFIELD FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.44%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Index	SOFR Average 30-Day
Max Rate	11.4%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	500 DUNCAN ST, ERWIN, TN 37650-9234
Document Number	422935
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 7, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 DUNCAN ST ERWIN TN 376509234, ERWIN, TN 37650-9234

Mortgage

Document Number	422935
Date	May 31, 2019
Book Page	000422/000935
Instrument	1005

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Unicoi County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$976.00 (+42.9%)	$37,400 (+42.88%) Land $9,600 Building $27,800	$149,600 (-) Land $38,400 Building $111,200
2024	$683.00 (+11.06%)
2023		$26,175 (-) Land $9,600 Building $16,575
2022	$615.00	$26,175 Land $9,600 Building $16,575	$149,600 Land $38,400 Building $111,200

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 August 23, 2016 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · 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

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	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 131 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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