827 Topoca Trl, Athens, TN 37303 Property Records

McMinn County property record for 827 Topoca Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,367 sqft · built 1980
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2023)
Tax Bill	$861 (2025)
Deeds & Mortgages	Feb 2026 Transfer Nov 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`054047M B 04700`

Property Details

APN / Parcel Number

Primary APN	`054047M B 04700`
Alternative APNs	`047M B 04700 00001047M` `047M B 04700`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,367 sqft Living Area
1st Floor Area	1,367 sqft
Basement Area	252 sqft
Finished Basement	252 sqft
Unfinished Basement	252 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1999
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	142 ft deep x 95 ft wide
Terrain	High

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	827 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 01000 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK SEC D
Legal Lot Number	32
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2005
Census Tract	970300

Owner

Source: McMinn County records, as of October 19, 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
Mailing Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Intrafamily Transfer, Transfer
Nov 20, 2025	Deed of Trust, Mortgage · FHA Mortgage VOLUNTEER MORTGAGE LOAN SERVICING
Nov 17, 2023	Warranty Deed, Transfer · FHA Mortgage TJC MORTGAGE INC
Sep 13, 2022	Warranty Deed, Transfer NOT AVAILABLE, FOUNDATION T&E SERIES LLC
Sep 8, 2022	Warranty Deed, Transfer NOT AVAILABLE, FOUNDATION T&E SERIES LLC
Apr 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Sep 13, 2022 · Amount on Record
Deed Document Number	2023251149
Deed Book / Page	23X / 158
Last Transfer Date	Feb 12, 2026
Transfer Doc	0000022118
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCMINN TN
Recording Date	Feb 12, 2026
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	0000022118
Book / Page	2 / 2118
Map Reference	MB 3 PG 178
Instrument Date	Feb 12, 2026
Instrument	271600
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TOPOCA TRL, ATHENS, TN 37303-2343

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TOPOCA TRL, ATHENS, TN 37303-2343

Mortgage

Document Number	0000139836
Date	Nov 20, 2025
Book Page	1398/36
Instrument	269553

Lender

Name	VOLUNTEER MORTGAGE LOAN SERVICING
Address	502 DEADERICK ST # 33, NASHVILLE, TN 37243

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Feb 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Nov 17, 2023
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	000023X158
Book / Page	23X / 158
Map Reference	MB 3 PG 178
Instrument Date	Nov 16, 2023
Instrument	251149
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	TITLE INS CO OF CHATTANOOGA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$684.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TOPOCA TRL, ATHENS, TN 37303-2343

Mortgage

Document Number	0000251150
Date	Nov 17, 2023
Instrument	251150

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	0001331110
Date	Nov 17, 2023
Book Page	1331/110
Instrument	251151

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Sep 13, 2022
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	00000023I1
Book / Page	23I / 1
Map Reference	MB 3 PG 178
Instrument Date	Sep 9, 2022
Instrument	240100
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TOPOCA TRL, ATHENS, TN 37303-2343

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Sep 8, 2022
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	000023H751
Book / Page	23H / 751
Map Reference	MB 3 PG 178
Instrument Date	Sep 8, 2022
Instrument	239937
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount Recorded
Tax	$481.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2314 QUAIL RIDGE DR, ATHENS, TN 37303-2126

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCMINN TN
Recording Date	Apr 10, 2018
Property Address	827 TOPOCA TRL, ATHENS, TN 37303-2343
Document Number	21K712
Book / Page	00021K / 000712
Instrument Date	Apr 10, 2018
Instrument	196886
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 TOPOCA TRL ATHENS TN 373032343, ATHENS, TN 37303-2343

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	$861.00	$41,200 (-) Land $8,900 Building $32,300
2024	$861.00	$41,200 (-) Land $8,900 Building $32,300
2023	$861.00 (+31.45%)	$41,200 (+82.1%) Land $8,900 Building $32,300	$164,800 (+82.1%) Land $35,600 Building $129,200
2022	$655.00	$22,625 Land $2,825 Building $19,800	$90,500 Land $11,300 Building $79,200

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 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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