602 Cedar St, Loudon, TN 37774 Property Records

Loudon County property record for 602 Cedar St, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,395 sqft · built 1915
Lot Size	0.202 acres (8,790 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Aug 2024)
Tax Bill	$1,609 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`041A-F-019.00`

Property Details

APN / Parcel Number

Primary APN	`041A-F-019.00`
Alternative APNs	`041A F 01900 000041A` `01041AF041A01900` `053041A F 01900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,395 sqft Living Area
1st Floor Area	1,695 sqft
Upper Floors Area	700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,790 sqft (0.202 acres)
Lot Dimensions	103 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	621 sqft
Carport	Carport
Carport Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Finished/Open Porch
Porch Area	630 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	602 CEDAR ST
City	LOUDON
State	TN
Zip	37774-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TOWN OF LOUDON LOT: 28 01 044C F 044C 00800 000 100 X 103 M
Legal Subdivision	TOWN OF LOUDON
Legal Lot Number	28
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	2
Census Block	2007
Census Tract	60600

Owner

602 Cedar St is owned and occupied by two individuals who bought it in August 2024.

Source: Loudon County records, as of April 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	602 CEDAR ST, LOUDON, TN 37774-1109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2023	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2024 · Amount on File
Deed Sale	Aug 14, 2024 · Amount on File
Prior Sale	Feb 23, 2005 · Amount on File
Deed Document Number	20246763
Deed Book / Page	476 / 497
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Recording Date	Apr 15, 2026
Property Address	602 CEDAR ST, LOUDON, TN 37774-1109
Document Number	0000003390
Book / Page	1788 / 704
Instrument Date	Apr 2, 2026
Instrument	20263390
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 CEDAR ST, LOUDON, TN 37774-1109

Mortgage

Document Number	0000003390,
Date	Apr 15, 2026
Book Page	1788/704
Instrument	20263390

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	602 CEDAR ST, LOUDON, TN 37774-1109
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0T1646/155
Date	May 1, 2023
Book Page	T1646/155
Instrument	23003706

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	KNOXVILLE, TN 37922

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 602 Cedar St was $1,609, up 67.3% from the year before.

Source: Loudon County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Loudon County
Municipality	Loudon City
Unified School District	Loudon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,609.00 (+67.26%)	$54,425 (-) Land $7,200 Building $47,225	$217,700 Land $28,800 Building $188,900
2024	$962.00	$54,425 (-) Land $7,200 Building $47,225
2023		$54,425 (-) Land $7,200 Building $47,225
2022	$598.00	$54,425 Land $7,200 Building $47,225	$217,700 (-) Land $28,800 Building $188,900
2021			$217,700 Land $28,800 Building $188,900

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

FEMA maps place 602 Cedar St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 602 Cedar St is low, with a 0.02% annual chance of 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	0.02% 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	LOUDON UTILITIES BOARD serves 16,047 people · EPA ID TN0000409
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	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	2 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar St

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