659 Charleston Light, Loudon, TN 37774 Property Records

Loudon County property record for 659 Charleston Light, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,609 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Owner Names on File
Last Sale	$120,000 (Jun 2013)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`053032A A 05800`

Property Details

APN / Parcel Number

Primary APN	`053032A A 05800`
Alternative APN	`032A A 05800`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,609 sqft Living Area
1st Floor Area	1,925 sqft
Upper Floors Area	684 sqft
Attic Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	143 sqft
Deck Area	56 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	659 CHARLESTON LGT
City	LOUDON
State	TN
Zip	37774-7729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LIGHTHOUSE POINTE PH 3 58
Legal Subdivision	LIGHTHOUSE POINTE PH 3
Legal Lot Number	58
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	4
Census Block	4004
Census Tract	60600

Owner

The current owner of 659 Charleston Light bought it in June 2013.

Source: Loudon County records, as of January 22, 2026

Owner of Record	2 Owner Names on File
Mailing Address	659 CHARLESTON LGT, LOUDON, TN 37774-7729
Occupancy	Owner Occupied

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
Oct 6, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2013 · Amount on File
Deed Sale	Jun 5, 2013 · Amount on File
Prior Sale	Oct 5, 2012 · Amount on File
Deed Document Number	13005114
Deed Book / Page	D362 / 252
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	659 CHARLESTON LGT, LOUDON, TN 37774-7729
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 CHARLESTON LGT, LOUDON, TN 37774-7729

Mortgage

Document Number	0T1483/887
Date	Oct 6, 2020
Book Page	T1483/887
Instrument	20010407

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	659 CHARLESTON LGT, LOUDON, TN 37774-7729
Document Number	0000005446
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	659 CHARLESTON LGT LOUDON TN 377747729, LOUDON, TN 37774-7729

Mortgage

Document Number	0000005446
Date	Jun 11, 2020
Book Page	001461/000970
Instrument	5446

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 659 Charleston Light was $4,145.

Source: Loudon County assessment roll, as of May 20, 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	$4,145.00	$140,125 (-) Land $32,500 Building $107,625
2024	$4,145.00	$140,125 (-) Land $32,500 Building $107,625
2023		$140,125 (-) Land $32,500 Building $107,625
2022	$1,540.00	$140,125 Land $32,500 Building $107,625	$560,500 (-) Land $130,000 Building $430,500
2021			$560,500 Land $130,000 Building $430,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 659 Charleston Light in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 16, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 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 659 Charleston Light is low, with a 0.05% 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	0.05% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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