809 Topoca Trl, Athens, TN 37303 Property Records

McMinn County property record for 809 Topoca Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1972
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Aug 2025)
Tax Bill	$545 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054047M B 05200`

Property Details

APN / Parcel Number

Primary APN	`054047M B 05200`
Alternative APNs	`047M B 05200 00001047M` `047M B 05200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1987
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	148 ft deep x 95 ft wide
Terrain	High
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	20 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	047M B 05200 00001047M
Street Address	809 TOPOCA TRL
City	ATHENS
State	TN
Zip	37303-2343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 054B B 045O 00500 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK
Legal Block	D
Legal Lot Number	37 1
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2005
Census Tract	970300

Owner

Source: McMinn County records, as of February 4, 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	88 C MICHAEL DAVENPORT BLVD, FRANKFORT, KY 40601-4389
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BANK
Aug 27, 2025	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Mar 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BANK
Dec 29, 2020	Quit Claim Deed, Transfer RAGLE TITLE SERVICES, VALLEY TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2025 · Amount on Record
Deed Sale	Aug 27, 2025 · Amount on Record
Prior Sale	Mar 30, 2022 · Amount on Record
Deed Document Number	267223
Deed Book / Page	24T / 930
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	809 TOPOCA TRL, ATHENS, TN 37303-2343
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001226559
Date	Feb 2, 2021
Book Page	1226/559
Instrument	221952

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.83%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.83%
Index	1-Year CMT
Margin	3
Max Rate	10.8%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Aug 27, 2025
Property Address	809 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	000024T930
Book / Page	24T / 930
Map Reference	MB 3 PG 178
Instrument Date	Aug 22, 2025
Instrument	267223
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	CONVEYANCE T&E INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 C MICHAEL DAVENPORT BLVD, FRANKFORT, KY 40601-4389
Mail Care Of	STOCKTON MORTGAGE CORP

Mortgage

Document Number	0000267224
Date	Aug 27, 2025
Instrument	267224

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Mar 30, 2022
Property Address	809 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	000023B505
Book / Page	23B / 505
Map Reference	MB 3 PG 178
Instrument Date	Mar 29, 2022
Instrument	234897
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	REMI TITLE GROUP LLC, PREMIER TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$758.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	809 TOPOCA TRL, ATHENS, TN 37303-2343

Mortgage

Document Number	0000234898
Date	Mar 30, 2022
Instrument	234898

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	809 TOPOCA TRL, ATHENS, TN 37303-2343
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1226559
Date	Feb 2, 2021
Book Page	1226/559
Instrument	221952

Lender

Name	CAPSTAR BANK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.83%
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.83%
Index	1-Year CMT
Margin	3
Max Rate	10.8%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Dec 29, 2020
Property Address	809 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	22L664
Book / Page	00022L / 000664
Instrument Date	Dec 15, 2020
Instrument	220941
Transaction Type	Transfer
Record Updated	Jan 27, 2021
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
Relationship	Joint Tenants with Right of Survivorship
Address	371 COUNTY ROAD 713 ATHENS TN 373036112, ATHENS, TN 37303-6112

Tax Assessment & Valuation

Source: McMinn County assessment roll, as of May 20, 2025

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	$545.00	$26,100 (-) Land $2,925 Building $23,175
2024	$545.00	$26,100 (-) Land $2,925 Building $23,175
2023	$545.00 (+10.1%)	$26,100 (+52.63%) Land $2,925 Building $23,175	$104,400 (+52.63%) Land $11,700 Building $92,700
2022	$495.00	$17,100 Land $2,925 Building $14,175	$68,400 Land $11,700 Building $56,700

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 185 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, Spectrum, Verizon.

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