638 S Elm Ave, Erwin, TN 37650 Property Records

Unicoi County property record for 638 S Elm Ave, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,196 sqft · built 1979
Lot Size	0.506 acres (22,043 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2022)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031B-D-015.00`

Property Details

APN / Parcel Number

Primary APN	`031B-D-015.00`
Alternative APNs	`086031B D 01500` `000007013`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,196 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,764 sqft
Upper Floors Area	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,043 sqft (0.506 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Enclosed/Finished Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	638 S ELM AVE
City	ERWIN
State	TN
Zip	37650-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	BLK B LOT 11- 150X150 JOINT TENANTS W/RIGHT OF SURVIVORSHIP
Legal Subdivision	LAWSON
Legal Block	B
Legal Lot Number	11
Jurisdiction	UNICOI TN
Township / Civil Division	1
Census Block Group	2
Census Block	2030
Census Tract	80400

Owner

Source: Unicoi County records, as of July 14, 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	638 S ELM AVE, ERWIN, TN 37650-1004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · VA Mortgage UNIMORTGAGE LLC
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Oct 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 24, 2018	Warranty Deed, Transfer · ARM CLINCHFIELD FEDERAL CREDIT UNION
Apr 5, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	20221576
Deed Book / Page	461 / 615
Prior Transfer Date	Oct 16, 2019
Prior Transfer Doc	427446
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 15, 2026
Property Address	638 S ELM AVE, ERWIN, TN 37650-1004
Document Number	0000001493
Book / Page	506 / 37
Instrument Date	Jul 10, 2026
Instrument	20261493
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	MALCOLM TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144,808.75
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	638 S ELM AVE, ERWIN, TN 37650-1004

Mortgage

Document Number	0000001494,
Date	Jul 15, 2026
Instrument	20261494

Lender

Name	UNIMORTGAGE LLC

Agreement

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

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 22, 2022
Property Address	638 S ELM AVE, ERWIN, TN 37650-1004
Document Number	0000461615
Book / Page	461 / 615
Map Reference	MB 1 PG 99
Instrument Date	Jul 20, 2022
Instrument	22001576
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	RELIABLE TITLE AND ESCROW LLC, RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	638 S ELM AVE, ERWIN, TN 37650-1004

Mortgage

Document Number	0022001577
Date	Jul 22, 2022
Instrument	22001577

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNICOI TN
Recording Date	Oct 17, 2019
Property Address	638 S ELM AVE, ERWIN, TN 37650-1004
Document Number	427446
Book / Page	000427 / 000446
Instrument Date	Oct 16, 2019
Instrument	1994
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 S ELM AVE ERWIN TN 376501004, ERWIN, TN 37650-1004

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Aug 24, 2018
Property Address	638 S ELM AVE, ERWIN, TN 37650-1004
Document Number	0000415706
Book / Page	415 / 706
Map Reference	MB1 PG99
Instrument Date	Aug 23, 2018
Instrument	18001582
Transaction Type	Transfer
Record Updated	Jun 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 S ELM AVE, ERWIN, TN 37650-1004

Mortgage

Document Number	415709
Date	Aug 24, 2018
Book Page	415/709
Instrument	18001583

Lender

Name	CLINCHFIELD FEDERAL CREDIT UNION
Address	ERWIN, TN 37650

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.35%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Min Rate At Change	4.35%
Max Rate At Change	10.3%
Max Rate	10.3%

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNICOI TN
Recording Date	Apr 5, 2018
Property Address	638 S ELM AVE, ERWIN, TN 37650-1004
Document Number	411921
Book / Page	000411 / 000921
Instrument Date	Apr 5, 2018
Instrument	637
Transaction Type	Foreclosure
Record Updated	Apr 17, 2018

Transaction

Amount	Amount Recorded
Tax	$264.55
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 OLD FARM RD ERWIN TN 376501537, ERWIN, TN 37650-1537

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	$1,457.00	$55,800 (-) Land $7,500 Building $48,300	$223,200 (-) Land $30,000 Building $193,200
2024	$1,457.00 (+11.39%)	$55,800 (-) Land $7,500 Building $48,300
2023		$55,800 (+0.27%) Land $7,500 Building $48,300
2022	$1,308.00	$55,650 Land $7,500 Building $48,150	$223,200 Land $30,000 Building $193,200

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 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	3 in force
Nearby Flood Claims	2 (1984–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	None beyond ember reach

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 94 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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