520 Holston Ave, Erwin, TN 37650 Property Records

Unicoi County property record for 520 Holston Ave, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,080 sqft · built 1918
Lot Size	0.115 acres (5,016 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Oct 2018)
Tax Bill	$523 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031F-F-015.00`

Property Details

APN / Parcel Number

Primary APN	`031F-F-015.00`
Alternative APNs	`086031F F 01500` `000007650`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,016 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	136 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 HOLSTON AVE
City	ERWIN
State	TN
Zip	37650-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B-2
Legal Description	TWIN OAKS PB 28 PG 319 BLK 2 LOT 15 40X125
Legal Subdivision	TWIN OAKS
Legal Block	2
Legal Lot Number	15
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	1
Census Block	1041
Census Tract	80400

Owner

Source: Unicoi County records, as of August 6, 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	520 HOLSTON AVE, ERWIN, TN 37650-2108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	May 6, 1998 · Amount on Record
Deed Document Number	20181866
Deed Book / Page	416 / 723
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Recording Date	Jul 30, 2026
Property Address	520 HOLSTON AVE, ERWIN, TN 37650-2108
Document Number	0000001644
Book / Page	505 / 798
Instrument Date	Jul 25, 2026
Instrument	20261644
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HOLSTON AVE, ERWIN, TN 37650-2108

Mortgage

Document Number	0000001644,
Date	Jul 30, 2026
Book Page	505/798
Instrument	20261644

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	520 HOLSTON AVE, ERWIN, TN 37650-2108
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000497954
Date	Nov 13, 2025
Book Page	497/954
Instrument	25002511

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,025 (-) Land $1,875 Building $18,150	$80,100 (-) Land $7,500 Building $72,600
2024	$523.00 (+11.04%)
2023		$20,025 (-) Land $1,875 Building $18,150
2022	$471.00	$20,025 Land $1,875 Building $18,150	$80,100 Land $7,500 Building $72,600

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 August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% 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 281 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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