805 Towanda Trl, Athens, TN 37303 Property Records

McMinn County property record for 805 Towanda Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 976 sqft · built 1985
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,000 (Aug 2020)
Tax Bill	$744 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054047M B 03500`

Property Details

APN / Parcel Number

Primary APN	`054047M B 03500`
Alternative APNs	`047M B 03500 00001047M` `047M B 03500`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	912 sqft
Finished Basement	912 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport

Exterior Amenities

Deck Area	240 sqft
Patio Area	408 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	805 TOWANDA TRL
City	ATHENS
State	TN
Zip	37303-2386
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045O B 045O 02700 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK SEC D
Legal Lot Number	12
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2007
Census Tract	970300

Owner

Source: McMinn County records, as of February 5, 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	805 TOWANDA TRL, ATHENS, TN 37303-2386
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 5, 2020	Warranty Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Sep 29, 2015 · Amount on Record
Deed Document Number	2020217070
Deed Book / Page	22H / 67
Prior Transfer Date	May 20, 2020
Prior Transfer Doc	00000022F1
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	805 TOWANDA TRL, ATHENS, TN 37303-2386
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 TOWANDA TRL, ATHENS, TN 37303-2386

Mortgage

Document Number	0001342215
Date	Apr 16, 2024
Book Page	1342/215
Instrument	254498

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2054

Interest

Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Aug 5, 2020
Property Address	805 TOWANDA TRL, ATHENS, TN 37303-2386
Document Number	22H67
Book / Page	00022H / 000067
Instrument Date	Aug 4, 2020
Instrument	217070
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	RAGLE TITLE SERVICES, VALLEY TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.00
Amount Accuracy	Confirmed
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	805 TOWANDA TRL ATHENS TN 373032386, ATHENS, TN 37303-2386

Mortgage

Document Number	1206445
Date	Aug 5, 2020
Book Page	001206/000445
Instrument	217071

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

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	$744.00	$35,600 (-) Land $2,800 Building $32,800
2024	$744.00	$35,600 (-) Land $2,800 Building $32,800
2023	$744.00 (+11.04%)	$35,600 (+53.95%) Land $2,800 Building $32,800	$142,400 (+53.95%) Land $11,200 Building $131,200
2022	$670.00	$23,125 Land $2,800 Building $20,325	$92,500 Land $11,200 Building $81,300

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

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 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% 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	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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Verizon.

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