Unicoi County property record for 527 Monroe St, Erwin, TN 37650
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,044 sqft · built 1935 |
| Lot Size | 0.361 acres (15,721 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $152,000 (Jul 2025) |
| Tax Bill | $549 (2024) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 031J-C-024.00 |
| Primary APN | 031J-C-024.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,044 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Custom Design |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,721 sqft (0.361 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 282 sqft |
| Deck Area | 192 sqft |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 527 MONROE ST |
|---|---|
| City | ERWIN |
| State | TN |
| Zip | 37650-1030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | PB 1 PG 8 BLK B LOT 10 & 100X150 |
| Legal Subdivision | LOVE SPRINGS |
| Legal Block | B |
| Legal Lot Number | 10 |
| Jurisdiction | UNICOI TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 80200 |
Source: Unicoi County records · APN 031J-C-024.00
Assessment roll updated December 3, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 527 MONROE ST, ERWIN, TN 37650-1030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jul 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 16, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 22, 2025 · Amount on Record |
| Deed Sale | Jul 22, 2025 · Amount on Record |
| Prior Sale | Jul 16, 2021 · Amount on Record |
| Deed Document Number | 20251603 |
| Deed Book / Page | 493 / 951 |
| Transfer Doc | 251903 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNICOI TN |
| Recording Date | Jul 22, 2025 |
| Property Address | 527 MONROE ST, ERWIN, TN 37650-1030 |
| Document Number | 0000493951 |
| Book / Page | 493 / 951 |
| Map Reference | MB 1 PG 8 |
| Instrument Date | Jul 22, 2025 |
| Instrument | 25001603 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | RELIABLE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $562.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 527 MONROE ST, ERWIN, TN 37650-1030 |
| Document Number | 0025001604 |
|---|---|
| Date | Jul 22, 2025 |
| Instrument | 25001604 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNICOI TN |
| Recording Date | Jul 16, 2021 |
| Property Address | 527 MONROE ST, ERWIN, TN 37650-1030 |
| Document Number | 448140 |
| Book / Page | 448 / 140 |
| Map Reference | MB 1 PG 8 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 21001551 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | DEBBIE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.04 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 527 MONROE ST, ERWIN, TN 37650-1030 |
| Document Number | 21001552 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 21001552 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Unicoi County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Unicoi County |
| Municipality | Erwin Town |
| Unified School District | Unicoi County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,025 (-) Land $5,000 Building $16,025 | $84,100 (-) Land $20,000 Building $64,100 | |
| 2024 | $549.00 (+11.13%) | ||
| 2023 | $21,025 (-) Land $5,000 Building $16,025 | ||
| 2022 | $494.00 | $21,025 Land $5,000 Building $16,025 | $84,100 Land $20,000 Building $64,100 |
Source: FEMA National Flood Hazard Layer as of August 23, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Aug 2023 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Erwin Utilities Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Point Broadband Fiber Holding.
Based on FCC filings for 281 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ERWIN UTILITIES AUTHORITY serves 12,478 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Feb 2023 |
| Lead | Under 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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