811 Towanda Trl, Athens, TN 37303 Property Records

McMinn County property record for 811 Towanda Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,525 sqft · built 1971
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jul 2025)
Tax Bill	$770 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Aug 2020 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`054047M B 01900`

Property Details

APN / Parcel Number

Primary APN	`054047M B 01900`
Alternative APNs	`047M B 01900 00001047M` `047M B 01900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,525 sqft Living Area
1st Floor Area	1,525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1984
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	126 ft deep x 110 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	462 sqft
Shed	1 Shed
Shed Area	1 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	047M B 01900 00001047M
Street Address	811 TOWANDA TRL
City	ATHENS
State	TN
Zip	37303-2345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045O B 045O 03500 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK SEC D
Legal Block	45O
Legal Lot Number	10 1
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2007
Census Tract	970300

Owner

811 Towanda Trl is owned and occupied by an individual who bought it in July 2025.

Source: McMinn County records, as of February 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Aug 17, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST CITIZENS NATIONAL BANK
Mar 10, 2020	Loan Modification, Mortgage CAPSTAR BK
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPSTAR BK
Apr 6, 2018	Quit Claim Deed, Transfer TITLE INSURANCE COMPANY
Mar 6, 2017	Warranty Deed, Transfer
Jan 13, 2017	Quit Claim Deed, Transfer TITLE INSURANCE COMPANY, TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on File
Deed Sale	Jul 22, 2025 · Amount on File
Prior Sale	Aug 17, 2020 · Amount on File
Deed Document Number	266207
Deed Book / Page	24S / 532
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jul 22, 2025
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	000024S532
Book / Page	24S / 532
Map Reference	MB 3 PG 178
Instrument Date	Jul 21, 2025
Instrument	266207
Transaction Type	Transfer
Record Updated	Feb 5, 2026
Title Company	HIWASSEE VALLEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 TOWANDA TRL, ATHENS, TN 37303-2345

Mortgage

Document Number	0000266208
Date	Jul 22, 2025
Instrument	266208

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Aug 17, 2020
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	000022H419
Book / Page	22H / 419
Map Reference	MB 3 PG 178
Instrument Date	Aug 14, 2020
Instrument	217349
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 TOWANDA TRL, ATHENS, TN 37303-2345

Mortgage

Document Number	0000217350
Date	Aug 17, 2020
Instrument	217350

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCMINN TN
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	1192921
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 TOWANDA TRL ATHENS TN 373032345, ATHENS, TN 37303-2345

Mortgage

Document Number	1192921
Date	Mar 16, 2020
Book Page	001192/000921
Instrument	213540

Lender

Name	CAPSTAR BK
Type	Bank
Address	NASHVILLE, TN 37230-5065

Agreement

Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	1183303
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	811 TOWANDA TRL ATHENS TN 373032345, ATHENS, TN 37303-2345

Mortgage

Document Number	1183303
Date	Nov 13, 2019
Book Page	001183/000303
Instrument	210695

Lender

Name	CAPSTAR BK
Type	Bank
Address	NASHVILLE, TN 37215

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 12, 2039

Interest

Rate Type	Adjustable Rate
Rate	6.5%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Apr 6, 2018
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	21K613
Book / Page	00021K / 000613
Instrument Date	Apr 6, 2018
Instrument	196805
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	TITLE INSURANCE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Mar 6, 2017
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	000021A191
Book / Page	21A / 191
Instrument Date	Mar 2, 2017
Instrument	187789
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 TOWANDA TRL, ATHENS, TN 37303-2345

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Jan 13, 2017
Property Address	811 TOWANDA TRL, ATHENS, TN 37303-2345
Document Number	20Y842
Book / Page	00020Y / 000842
Instrument Date	Dec 30, 2016
Instrument	186648
Transaction Type	Transfer
Record Updated	Jan 18, 2017
Title Company	TITLE INSURANCE COMPANY, TITLE INSURANCE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 DOE RUN DR KERNERSVILLE NC 272848000, KERNERSVILLE, NC 27284-8000

Tax Assessment & Valuation

The 2025 property tax bill for 811 Towanda Trl was $770.

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	$770.00	$36,825 (-) Land $2,900 Building $33,925
2024	$770.00	$36,825 (-) Land $2,900 Building $33,925
2023	$770.00 (+12.08%)	$36,825 (+55.05%) Land $2,900 Building $33,925	$147,300 (+55.05%) Land $11,600 Building $135,700
2022	$687.00	$23,750 Land $2,900 Building $20,850	$95,000 Land $11,600 Building $83,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 811 Towanda Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 811 Towanda Trl is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.02% 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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