528 Cedar St, Mount Carmel, TN 37645 Property Records

Hawkins County property record for 528 Cedar St, Mount Carmel, TN 37645

Property Summary

Property Type	Single Family Home
Details	1 ba · 874 sqft · built 1945
Lot Size	50 acres (2,178,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Feb 2016)
Deeds & Mortgages	Oct 2022 Line of Credit Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`037032D B 01600`

Property Details

APN / Parcel Number

Primary APN	`037032D B 01600`
Alternative APN	`032D B 01600`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	874 sqft Living Area
1st Floor Area	874 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1945
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,178,000 sqft (50 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	528 CEDAR ST
City	MT CARMEL
State	TN
Zip	37645-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07, COUNTY AREA: U01
Legal Subdivision	J PERRY MILLER
Legal Block	B
Legal Lot Number	10 50
Jurisdiction	HAWKINS TN
Township / Civil Division	1
Census Block Group	3
Census Block	3012
Census Tract	50602

Owner

Source: Hawkins County records, as of January 26, 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 Record
Mailing Address	210 LINCOLN AVE, CHURCH HILL, TN 37642-4317
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK & TRUST CO
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK OF EAST TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2016 · Amount on Record
Deed Sale	Feb 23, 2016 · Amount on Record
Deed Document Number	16001196
Deed Book / Page	1190 / 590
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWKINS TN
Property Address	528 CEDAR ST, MT CARMEL, TN 37645-3519
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 LINCOLN AVE, CHURCH HILL, TN 37642-4317

Mortgage

Document Number	0RB1482347
Date	Oct 11, 2022
Book Page	1482/347
Instrument	22007539

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	ABINGDON, VA 24212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 6, 2037

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWKINS TN
Property Address	528 CEDAR ST, MT CARMEL, TN 37645-3519
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB1304205
Date	Apr 10, 2019
Book Page	1304/205
Instrument	19002180

Lender

Name	FIRST COMMUNITY BANK OF EAST TENNESSEE
Type	Bank
Address	ROGERSVILLE, TN 37857

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Hawkins County
Municipality	Mount Carmel Town
Unified School District	Hawkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$8,700 (-) Land $1,900 Building $6,800
2023	$8,700 Land $1,900 Building $6,800
2021		$34,800 Land $7,600 Building $27,200

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 June 6, 2024 · 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	2 in force
Nearby Flood Claims	3 (2010–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims

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 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.08% 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	FIRST U.D. OF HAWKINS COUNTY serves 19,972 people · EPA ID TN0000109
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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