657 Co Rd 442, Athens, TN 37303 Property Records

McMinn County property record for 657 Co Rd 442, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,260 sqft · built 1971
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$72,800 (Jan 2005)
Tax Bill	$443 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`054066 04100`

Property Details

APN / Parcel Number

Primary APN	`054066 04100`
Alternative APNs	`066 04100 00003066` `066 04100`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	780 sqft
Finished Basement	180 sqft
Unfinished Basement	600 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	108 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	657 COUNTY ROAD 442
City	ATHENS
State	TN
Zip	37303-6406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03 03 064 064 00803 000, COUNTY AREA: D01
Jurisdiction	MCMINN TN
Township / Civil Division	3
Census Block Group	2
Census Block	2009
Census Tract	970401

Owner

657 Co Rd 442 is owned and occupied by two individuals who acquired it in November 2018.

Source: McMinn County records, as of February 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	657 COUNTY ROAD 442, ATHENS, TN 37303-6406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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
Mar 1, 2019	Deed of Trust, Mortgage · Conventional with PMI CAPSTAR BK
Jan 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2005 · Amount on File
Deed Sale	Jan 14, 2005 · Amount on File
Prior Sale	Jan 14, 2005
Deed Book / Page	16Y / 51
Last Transfer Date	Nov 28, 2018
Transfer Doc	000012R414
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	657 COUNTY ROAD 442, ATHENS, TN 37303-6406
Document Number	1162336
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	657 COUNTY ROAD 442 ATHENS TN 373036481, ATHENS, TN 37303-6481

Mortgage

Document Number	1162336
Date	Mar 7, 2019
Book Page	001162/000336
Instrument	204409

Lender

Name	CAPSTAR BK
Type	Bank
Address	ATHENS, TN 37371

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 6, 2034

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Jan 3, 2019
Property Address	657 COUNTY ROAD 442, ATHENS, TN 37303-6406
Document Number	21R414
Book / Page	00021R / 000414
Instrument Date	Nov 28, 2018
Instrument	202995
Transaction Type	Transfer
Record Updated	Jan 21, 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
Relationship	Husband and Wife
Address	657 COUNTY ROAD 442 ATHENS TN 373036481, ATHENS, TN 37303-6481

Tax Assessment & Valuation

The 2025 property tax bill for 657 Co Rd 442 was $443.

Source: McMinn County assessment roll, as of February 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	McMinn County
Unified School District	McMinn County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$443.00	$40,925 (-) Land $9,375 Building $31,550
2024	$443.00	$40,925 (-) Land $9,375 Building $31,550
2023	$443.00 (+10.47%)	$40,925 (+57.71%) Land $9,375 Building $31,550	$163,700 (+57.71%) Land $37,500 Building $126,200
2022	$401.00	$25,950 Land $6,600 Building $19,350	$103,800 Land $26,400 Building $77,400

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 657 Co Rd 442 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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

Wildfire risk around 657 Co Rd 442 is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 73% of Tennessee
Wildfire Likelihood	0.2% 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	ENGLEWOOD WATER DEPT serves 3,917 people · EPA ID TN0000224
Water Source	Surface water
Last State Inspection	Feb 2026
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	1 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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