802 Commerce St, Loudon, TN 37774 Property Records

Loudon County property record for 802 Commerce St, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,143 sqft · built 1956
Lot Size	0.38 acres (16,583 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Nov 2021)
Tax Bill	$874 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053041H D 00100`

Property Details

APN / Parcel Number

Primary APN	`053041H D 00100`
Alternative APNs	`041H D 00100 000041H` `041H D 00100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,143 sqft Living Area
1st Floor Area	1,143 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,583 sqft (0.38 acres)
Lot Dimensions	163 ft deep x 117 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	180 sqft
Patio Area	180 sqft
Shed	1 Shed
Shed Area	198 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	041H D 00100 000041H
Street Address	802 COMMERCE ST
City	LOUDON
State	TN
Zip	37774-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	W ROSEDALE PARK 1 1 044F D 044F 00100 000
Legal Subdivision	W ROSEDALE PARK
Legal Lot Number	1 2
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	3
Census Block	3001
Census Tract	60600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	802 COMMERCE ST, LOUDON, TN 37774-1336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 4, 2020	Warranty Deed, Transfer CERTIFIED TITLE
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	21014925
Deed Book / Page	D0442 / 384
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Nov 22, 2021
Property Address	802 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	0D0442/384
Book / Page	D0442 / 384
Map Reference	CAB D SL 120
Instrument Date	Nov 16, 2021
Instrument	21014925
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	REMI TITLE GROUP LLC, PREMIER TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 COMMERCE ST, LOUDON, TN 37774-1336

Mortgage

Document Number	0021014926
Date	Nov 22, 2021
Instrument	21014926

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Sep 4, 2020
Property Address	802 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	0000009038
Book / Page	000426 / 000041
Instrument Date	Sep 1, 2020
Instrument	9038
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	CERTIFIED TITLE

Transaction

Amount	Amount Recorded
Tax	$2,716.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	802 COMMERCE ST LOUDON TN 377741336, LOUDON, TN 37774-1336

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	802 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	0000009039
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	802 COMMERCE ST LOUDON TN 377741336, LOUDON, TN 37774-1336

Mortgage

Document Number	0000009039
Date	Sep 4, 2020
Book Page	001477/000693
Instrument	9039

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

Tax Assessment & Valuation

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	$874.00 (-2.89%)	$29,575 (-2.87%) Land $5,025 Building $24,550
2024	$900.00 (+169.46%)	$30,450 (-) Land $5,025 Building $25,425
2023		$30,450 (-) Land $5,025 Building $25,425
2022	$334.00	$30,450 Land $5,025 Building $25,425	$121,800 (+2.96%) Land $20,100 Building $101,700
2021			$118,300 Land $20,100 Building $98,200

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 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

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	0.02% annual chance
Exposure	Indirect within 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	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 280 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

Cell Coverage

5G (outdoors only) and 4G LTE

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