806 Towanda Trl, Athens, TN 37303 Property Records

McMinn County property record for 806 Towanda Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 976 sqft · built 1985
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2026)
Tax Bill	$801 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054047M B 00400`

Property Details

APN / Parcel Number

Primary APN	`054047M B 00400`
Alternative APNs	`047M B 00400 00001047M` `047M B 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	912 sqft
Finished Basement	432 sqft
Unfinished Basement	480 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1999
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	150 ft deep x 95 ft wide
Terrain	Rolling
Porch	Patio
Porch Area	262 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	806 TOWANDA TRL
City	ATHENS
State	TN
Zip	37303-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045O B 045O 02100 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK SEC D
Legal Lot Number	44
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	1
Census Block	1016
Census Tract	970300

Owner

Source: McMinn County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	806 TOWANDA TRL, ATHENS, TN 37303-2346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
May 1, 2026	Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Apr 27, 2020	Quit Claim Deed, Transfer SECURITY FSB/MCMINNVILLE TN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Jul 12, 2011 · Amount on Record
Deed Document Number	2026273993
Deed Book / Page	6 / 2869
Prior Transfer Date	Apr 16, 2020
Prior Transfer Doc	000022E187
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	806 TOWANDA TRL, ATHENS, TN 37303-2346
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001389848
Date	Sep 5, 2025
Book Page	1389/848
Instrument	267510

Lender

Name	SOFI BANK NA
Type	Bank
Address	2750 E COTTONWOOD PKWY STE 300, COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2040

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	May 1, 2026
Property Address	806 TOWANDA TRL, ATHENS, TN 37303-2346
Document Number	0000273993
Book / Page	6 / 2869
Instrument Date	Apr 30, 2026
Instrument	2026.273993
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	EQUITITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,425.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 TOWANDA TRL, ATHENS, TN 37303-2346

Mortgage

Document Number	0000273994,
Date	May 1, 2026
Instrument	2026.273994

Lender

Name	FIRST COMMUNITY MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Apr 27, 2020
Property Address	806 TOWANDA TRL, ATHENS, TN 37303-2346
Document Number	22E187
Book / Page	00022E / 000187
Instrument Date	Apr 17, 2020
Instrument	214515
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	RAGLE TITLE SERVICES, VALLEY TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 TOWANDA TRL ATHENS TN 373032346, ATHENS, TN 37303-2346

Mortgage

Document Number	1196931
Date	Apr 27, 2020
Book Page	001196/000931
Instrument	214516

Lender

Name	SECURITY FSB/MCMINNVILLE TN
Address	MCMINNVILLE, TN 37110

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 26, 2035

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	$801.00	$38,300 (-) Land $2,875 Building $35,425
2024	$801.00	$38,300 (-) Land $2,875 Building $35,425
2023	$801.00 (+6.8%)	$38,300 (+47.88%) Land $2,875 Building $35,425	$153,200 (+47.88%) Land $11,500 Building $141,700
2022	$750.00	$25,900 Land $2,875 Building $23,025	$103,600 Land $11,500 Building $92,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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	2 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

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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