822 Commerce St, Loudon, TN 37774 Property Records

Loudon County property record for 822 Commerce St, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	1 ba · 730 sqft · built 1930
Lot Size	0.173 acres (7,549 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Apr 2026)
Tax Bill	$389 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041H-D-011.00`

Property Details

APN / Parcel Number

Primary APN	`041H-D-011.00`
Alternative APNs	`041H D 01100 000041H` `01041HD041H01100` `053041H D 01100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	730 sqft Living Area
1st Floor Area	730 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1986
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,549 sqft (0.173 acres)
Lot Dimensions	148 ft deep x 64 ft wide
Terrain	Rolling
Porch	Open/Unfinished Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	822 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 PB: G PG: 281 LOT: 25R 01 044F D 044F 01000 000 64 X 148
Legal Subdivision	W ROSEDALE PARK
Legal Lot Number	25R
Jurisdiction	LOUDON TN
Township / Civil Division	1
Census Block Group	3
Census Block	3001
Census Tract	60600

Owner

822 Commerce St is owned by an individual who bought it in April 2026.

Source: Loudon County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 297, PHILADELPHIA, TN 37846-0297
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2026 · Amount on File
Deed Sale	Apr 20, 2026 · Amount on File
Prior Sale	Apr 12, 2016 · Amount on File
Deed Document Number	20263567
Deed Book / Page	495 / 670
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUDON TN
Recording Date	Apr 20, 2026
Property Address	822 COMMERCE ST, LOUDON, TN 37774-1336
Document Number	0000003567
Book / Page	495 / 670
Instrument Date	Apr 20, 2026
Instrument	2026.3567
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	SOUTHEASTERN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,290.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003568,
Date	Apr 20, 2026
Instrument	2026..3568

Lender

Name	FOOTHILLS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 822 Commerce St was $389, up 67% from the year before.

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	$389.00 (+66.95%)	$13,175 (-) Land $2,800 Building $10,375	$52,700 Land $11,200 Building $41,500
2024	$233.00	$13,175 (-) Land $2,800 Building $10,375
2023		$13,175 (-) Land $2,800 Building $10,375
2022	$144.00	$13,175 Land $2,800 Building $10,375	$52,700 (-) Land $11,200 Building $41,500
2021			$52,700 Land $11,200 Building $41,500

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 822 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 822 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