806 Commerce St, Loudon, TN 37774 Property Records

Loudon County property record for 806 Commerce St, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	1 ba · 944 sqft · built 1945
Lot Size	0.27 acres (11,774 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (Nov 2025)
Tax Bill	$756 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2025 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041H-D-003.00`

Property Details

APN / Parcel Number

Primary APN	`041H-D-003.00`
Alternative APNs	`041H D 00300 000041H` `01041HD041H00300` `053041H D 00300`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	944 sqft Living Area
Gross Area	1,085 sqft
1st Floor Area	944 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,774 sqft (0.27 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	120 sqft
Carport	Carport
Carport Area	120 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	141 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	806 COMMERCE ST
City	LOUDON
State	TN
Zip	37774-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	W ROSEDALE PARK LOT: 4-6 01 044F D 044F 00300 000 75 X 150
Legal Subdivision	W ROSEDALE PARK
Legal Lot Number	4-6
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	3
Census Block	3001
Census Tract	60600

Owner

806 Commerce St is owned and occupied by an individual who bought it in November 2025.

Source: Loudon County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	806 COMMERCE ST, LOUDON, TN 37774-1336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Nov 6, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 29, 2025	Warranty Deed, Construction Loan · Construction Mortgage RESIDENTIAL CAPITAL PARTNERS SECURE
Dec 19, 2022	Correction Deed CONCORD TITLE
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage PINNCACLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Jul 29, 2025 · Amount on File
Deed Document Number	202510411
Deed Book / Page	490 / 864
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Nov 6, 2025
Property Address	806 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	00D490/864
Book / Page	D490 / 864
Instrument Date	Nov 5, 2025
Instrument	25010411
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SOUTHEASTERN TTL & ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$662.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 COMMERCE ST, LOUDON, TN 37774-1336

Mortgage

Document Number	0025010412
Date	Nov 6, 2025
Instrument	25010412

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Mortgage

Document Number	000T1765/1
Date	Nov 6, 2025
Book Page	T1765/1
Instrument	25010413

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2035

July 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Jul 29, 2025
Property Address	806 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	00D487/406
Book / Page	D487 / 406
Instrument Date	Jul 24, 2025
Instrument	25006886
Transaction Type	Construction Loan
Record Updated	Jan 23, 2026
Title Company	ADMIRAL TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$537.02
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5923 KINGSTON PIKE # 174, KNOXVILLE, TN 37919-6344
Investor	Possibly a Property Investor

Mortgage

Document Number	0025006887
Date	Jul 29, 2025
Instrument	25006887

Lender

Name	RESIDENTIAL CAPITAL PARTNERS SECURE

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	LOUDON TN
Recording Date	Dec 19, 2022
Property Address	806 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	00D456/398
Book / Page	D456 / 398
Map Reference	MB 33 PG 475
Instrument Date	Sep 16, 2022
Instrument	22014202
Record Updated	Nov 18, 2025
Title Company	CONCORD TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	806 COMMERCE ST, LOUDON, TN 37774-1336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 COMMERCE ST, LOUDON, TN 37774-1336

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Sep 20, 2022
Property Address	806 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	0D0453/393
Book / Page	D0453 / 393
Map Reference	MB 33 PG 475
Instrument Date	Sep 16, 2022
Instrument	22010939
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	CONCORD TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 COMMERCE ST, LOUDON, TN 37774-1336

Mortgage

Document Number	0022010940
Date	Sep 20, 2022
Instrument	22010940

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 806 Commerce St was $756.

Source: Loudon County assessment roll, as of December 26, 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	$756.00	$25,575 (-) Land $4,150 Building $21,425	$102,300 Land $16,600 Building $85,700
2024	$756.00	$25,575 (-) Land $4,150 Building $21,425
2023		$25,575 (-) Land $4,150 Building $21,425
2022	$281.00	$25,575 Land $4,150 Building $21,425	$102,300 (-) Land $16,600 Building $85,700
2021			$102,300 Land $16,600 Building $85,700

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 806 Commerce St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 806 Commerce St is low, with a 0.01% annual chance of 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	0.01% 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

806 Commerce St, Loudon, TN 37774 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

July 2025: Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Commerce St

Nearby Streets

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