557 Valley Ave, Erwin, TN 37650 Property Records

Unicoi County property record for 557 Valley Ave, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,784 sqft · built 1978
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Apr 2026)
Tax Bill	$1,615 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023L-K-013.00`

Property Details

APN / Parcel Number

Primary APN	`023L-K-013.00`
Alternative APNs	`086023L K 01300` `000005370`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	2,784 sqft Living Area
Gross Area	3,942 sqft
1st Floor Area	1,682 sqft
Upper Floors Area	1,102 sqft
Basement Area	1,102 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	122 ft deep x 157 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	672 sqft
Carport	Carport
Carport Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	101 sqft
Deck Area	456 sqft
Patio Area	624 sqft
Canopy	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	557 VALLEY AVE
City	ERWIN
State	TN
Zip	37650-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	E D CO PB 34 PG 179 BLK I LOT 8&9 161X120X150X124
Legal Subdivision	E D CO
Legal Block	I
Legal Lot Number	8&9
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	5
Census Block	5026
Census Tract	80400

Owner

Source: Unicoi County records, as of April 28, 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	557 VALLEY AVE, ERWIN, TN 37650-1369
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK & TRUST CO
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Jul 24, 2003 · Amount on Record
Deed Document Number	2026814
Deed Book / Page	502 / 985
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	557 VALLEY AVE, ERWIN, TN 37650-1369
Transaction Type	Mortgage
Record Updated	May 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 VALLEY AVE, ERWIN, TN 37650-1369

Mortgage

Document Number	0000495882
Date	Sep 12, 2025
Book Page	495/882
Instrument	25002029

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 12, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 21, 2026
Property Address	557 VALLEY AVE, ERWIN, TN 37650-1369
Document Number	0000000814
Book / Page	502 / 985
Instrument Date	Apr 16, 2026
Instrument	2026.814
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	MALCOLM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164,428.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 VALLEY AVE, ERWIN, TN 37650-1369

Mortgage

Document Number	0000000815,
Date	Apr 21, 2026
Instrument	2026..815

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 21, 2026
Property Address	557 VALLEY AVE, ERWIN, TN 37650-1369
Document Number	0000502985
Book / Page	502 / 985
Instrument Date	Apr 16, 2026
Instrument	2026814
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	E TITLE LLC, MALCOLM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164,428.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 VALLEY AVE, ERWIN, TN 37650-1369

Mortgage

Document Number	0000000815,
Date	Apr 21, 2026
Instrument	2026815

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

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

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		$61,875 (-) Land $9,300 Building $52,575	$247,500 (-) Land $37,200 Building $210,300
2024	$1,615.00 (+11.07%)
2023		$61,875 (-) Land $9,300 Building $52,575
2022	$1,454.00	$61,875 Land $9,300 Building $52,575	$247,500 Land $37,200 Building $210,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 187 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

May also be available: Point Broadband, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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