700 E Madison Ave, Athens, TN 37303 Property Records

McMinn County property record for 700 E Madison Ave, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,770 sqft · built 1939
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,600 (Oct 2021)
Tax Bill	$1,047 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054057I A 07700`

Property Details

APN / Parcel Number

Primary APN	`054057I A 07700`
Alternative APNs	`057I A 07700 00002057I` `057I A 07700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,770 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	148 ft deep x 75 ft wide
Terrain	Rolling
Porch	Patio
Porch Area	231 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	700 E MADISON AVE
City	ATHENS
State	TN
Zip	37303-3738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02 02 054K F 054K 02700 000, COUNTY AREA: D01
Legal Subdivision	INGLESIDE
Legal Block	D
Legal Lot Number	1
Jurisdiction	MCMINN TN
Township / Civil Division	2
Census Block Group	3
Census Block	3034
Census Tract	970300

Owner

Source: McMinn County records, as of October 6, 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	700 E MADISON AVE, ATHENS, TN 37303-3738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 29, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST VOLUNTEER BANK
Jul 3, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST VOLUNTEER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Nov 2, 2001 · Amount on Record
Deed Document Number	2021230497
Deed Book / Page	22 / W.480
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Recording Date	Sep 28, 2026
Property Address	700 E MADISON AVE, ATHENS, TN 37303-3738
Document Number	0000278440
Book / Page	14 / 2088
Instrument Date	Jul 27, 2026
Instrument	2026278440
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 E MADISON AVE, ATHENS, TN 37303-3738

Mortgage

Document Number	0000278440,
Date	Sep 28, 2026
Book Page	14/2088
Instrument	2026278440

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

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

Interest

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

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Oct 29, 2021
Property Address	700 E MADISON AVE, ATHENS, TN 37303-3738
Document Number	22W480
Book / Page	22W / 480
Map Reference	MB AA PG 556
Instrument Date	Oct 18, 2021
Instrument	230497
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	CONCORD TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$731.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 E MADISON AVE, ATHENS, TN 37303-3738

Mortgage

Document Number	230498
Date	Oct 29, 2021
Instrument	230498

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	700 E MADISON AVE, ATHENS, TN 37303-3738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11923
Date	Mar 4, 2020
Book Page	1192/3
Instrument	213286

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MCMINN TN
Recording Date	Jul 3, 2019
Property Address	700 E MADISON AVE, ATHENS, TN 37303-3738
Book / Page	001171 / 000638
Instrument Date	Jun 18, 2019
Instrument	207204
Transaction Type	Construction Loan
Record Updated	Jul 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 E MADISON AVE ATHENS TN 373033738, ATHENS, TN 37303-3738

Mortgage

Document Number	1171638
Date	Jul 3, 2019
Book Page	001171/000638
Instrument	207204

Lender

Name	FIRST VOLUNTEER BK
Type	Bank
Address	ETOWAH, TN 37331

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 2, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Athens City
County	McMinn County
Elementary School District	Athens City Schools (PK - 08)
Secondary School District	McMinn County School District in Athens (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,047.00	$50,075 (-) Land $3,750 Building $46,325
2024	$1,047.00	$50,075 (-) Land $3,750 Building $46,325
2023	$1,047.00 (+9.29%)	$50,075 (+51.28%) Land $3,750 Building $46,325	$200,300 (+51.28%) Land $15,000 Building $185,300
2022	$958.00	$33,100 Land $4,800 Building $28,300	$132,400 Land $19,200 Building $113,200

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 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1994–2003)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 2 claims Extensive Rainfall And Flash Flooding, Mar 1994 · 2 claims

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 66% of the US · above 50% 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	ATHENS UTILITIES BOARD serves 26,424 people · EPA ID TN0000024
Water Source	Surface water
Last State Inspection	Nov 2025
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	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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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