Loudon County property record for 820 River Rd, Loudon, TN 37774
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,080 sqft · built 1978 |
| Lot Size | 10.8 acres (470,448 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,511 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040 04101 000040 |
| Primary APN | 040 04101 000040 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Living Area |
| 1st Floor Area | 1,826 sqft |
| Upper Floors Area | 1,254 sqft |
| Basement Area | 1,560 sqft |
| Unfinished Basement | 1,560 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 470,448 sqft (10.8 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 1,106 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 420 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | 040 04101 000040 |
|---|---|
| Street Address | 820 RIVER RD |
| City | LOUDON |
| State | TN |
| Zip | 37774-5546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-S |
| Legal Description | 1 043 043 01205 000 |
| Legal Subdivision | RW SWEENEY |
| Jurisdiction | LOUDON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 60600 |
820 River Rd is owned and occupied by an individual who acquired it in October 2019.
Source: Loudon County records, as of January 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 RIVER RD, LOUDON, TN 37774-5546 |
| 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.
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 8, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage ORNL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2019 |
| Deed Sale | Oct 8, 2019 |
| Prior Sale | Jul 15, 2016 · Amount on File |
| Deed Document Number | 19008841 |
| Deed Book / Page | D386 / 551 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUDON TN |
| Property Address | 820 RIVER RD, LOUDON, TN 37774-5546 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | T1521/63 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | T1521/63 |
| Instrument | 21004128 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LOUDON TN |
| Recording Date | Oct 8, 2019 |
| Property Address | 820 RIVER RD, LOUDON, TN 37774-5546 |
| Document Number | D0416/712 |
| Book / Page | D0416 / 712 |
| Instrument Date | Oct 2, 2019 |
| Instrument | 19008841 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Title Company | SOUTHEASTERN TTL & ABSTRACT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 RIVER RD, LOUDON, TN 37774-5546 |
| Document Number | 19008842 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 19008842 |
| Name | ORNL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2025 property tax bill for 820 River Rd was $3,511.
Source: Loudon County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Loudon County |
| Municipality | Loudon City |
| Unified School District | Loudon County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,511.00 | $118,700 (-) Land $43,325 Building $75,375 | |
| 2024 | $3,511.00 | $118,700 (-) Land $43,325 Building $75,375 | |
| 2023 | $118,700 (-) Land $43,325 Building $75,375 | ||
| 2022 | $1,304.00 | $118,700 Land $43,325 Building $75,375 | $474,800 (-) Land $173,300 Building $301,500 |
| 2021 | $474,800 Land $173,300 Building $301,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 River Rd 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 risk around 820 River Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · above 73% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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