832 Topoca Trl, Athens, TN 37303 Property Records

McMinn County property record for 832 Topoca Trl, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,300 sqft · built 1978
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jan 2020)
Tax Bill	$434 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054047M B 02100`

Property Details

APN / Parcel Number

Primary APN	`054047M B 02100`
Alternative APNs	`047M B 02100 00001047M` `047M B 02100`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Finished Basement	390 sqft
Unfinished Basement	910 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	122 ft deep x 222 ft wide
Terrain	Rolling
Deck Area	24 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	832 TOPOCA TRL
City	ATHENS
State	TN
Zip	37303-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045O B 045O 03700 000, COUNTY AREA: D01
Legal Subdivision	TELLICO PARK SEC D
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2007
Census Tract	970300

Owner

832 Topoca Trl is owned and occupied by two individuals who acquired it in June 2021.

Source: McMinn County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	832 TOPOCA TRL, ATHENS, TN 37303-2344
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
Jun 30, 2026	Deed of Trust, Mortgage · Construction Mortgage FARM CREDIT SERVICES/MIDLANDS FLCA
Jun 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CAPSTAR BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on File
Deed Sale	Jan 2, 2020 · Amount on File
Prior Sale	Apr 1, 2003 · Amount on File
Deed Document Number	2020211809
Deed Book / Page	22B / 236
Last Transfer Date	Jun 11, 2021
Transfer Doc	000022R796
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Recording Date	Jun 30, 2026
Property Address	832 TOPOCA TRL, ATHENS, TN 37303-2344
Document Number	0000275761
Book / Page	10 / 37
Instrument Date	Jun 30, 2026
Instrument	2026275761
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 TOPOCA TRL, ATHENS, TN 37303-2344

Mortgage

Document Number	0000275761,
Date	Jun 30, 2026
Book Page	10/37
Instrument	2026275761

Lender

Name	FARM CREDIT SERVICES/MIDLANDS FLCA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2057

Interest

Rate	6.48%
Max Rate	-1%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCMINN TN
Recording Date	Jun 21, 2021
Property Address	832 TOPOCA TRL, ATHENS, TN 37303-2344
Document Number	22R796
Book / Page	22R / 796
Map Reference	MB 3 PG 178
Instrument Date	Jun 11, 2021
Instrument	226337
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	ALLEN TITLE SERVICES LLC, VALLEY TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	832 TOPOCA TRL, ATHENS, TN 37303-2344

Mortgage

Document Number	226338
Date	Jun 21, 2021
Instrument	226338

Lender

Name	CAPSTAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 832 Topoca Trl was $434.

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	$434.00	$20,775 (-) Land $3,150 Building $17,625
2024	$434.00	$20,775 (-) Land $3,150 Building $17,625
2023	$434.00 (+7.43%)	$20,775 (+48.66%) Land $3,150 Building $17,625	$83,100 (+48.66%) Land $12,600 Building $70,500
2022	$404.00	$13,975 Land $3,150 Building $10,825	$55,900 Land $12,600 Building $43,300

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 832 Topoca 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 832 Topoca 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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