85 Cherokee St, Dunlap, TN 37327 Property Records

Sequatchie County property record for 85 Cherokee St, Dunlap, TN 37327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 2024
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2024)
Tax Bill	$510 (2023)
Deeds & Mortgages	Sep 2026 Construction Loan Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`077034 05700`

Property Details

APN / Parcel Number

Primary APN	`077034 05700`
Alternative APN	`034 05700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	960 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	160 sqft
Patio Area	60 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	85 CHEROKEE ST
City	DUNLAP
State	TN
Zip	37327-3327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4
Legal Subdivision	EASTERLY LAND
Legal Lot Number	3
Jurisdiction	SEQUATCHIE TN
Township / Civil Division	4
Census Block Group	1
Census Block	1050
Census Tract	60103

Owner

85 Cherokee St is owned by two individuals who bought it in December 2024.

Source: Sequatchie County records, as of September 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1400 FORUM BLVD, 18, COLUMBIA, MO 65203-1319
Owner Type	Individual
Vesting	Company

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
Sep 15, 2026	Deed of Trust, Mortgage · Construction Mortgage CITIZENS TRI-COUNTY BANK
Sep 30, 2025	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 21, 2024	Deed of Trust, Mortgage · Non-Conforming Investor Loan CITIZENS TRI-COUNTY BANK
Dec 17, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 23, 2024	Warranty Deed, Transfer
Feb 23, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MOUNTAIN VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2024 · Amount on File
Deed Sale	Dec 17, 2024 · Amount on File
Prior Sale	May 23, 2024 · Amount on File
Deed Document Number	20243507
Deed Book / Page	473 / 69
Prior Transfer Date	Jan 7, 2013
Prior Transfer Doc	0000000039
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Recording Date	Sep 15, 2026
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Document Number	0000003132
Book / Page	483 / 1933
Instrument Date	Sep 11, 2026
Instrument	20263132
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LAND DR, DUNLAP, TN 37327-3492

Mortgage

Document Number	0000003132,
Date	Sep 15, 2026
Book Page	483/1933
Instrument	20263132

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 11, 2027

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327

Mortgage

Document Number	0000002969
Date	Sep 30, 2025
Book Page	477/1645
Instrument	25002969

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEQUATCHIE TN
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 HARMON DR S, DUNLAP, TN 37327-4504

Mortgage

Document Number	0000001635
Date	Jun 21, 2024
Book Page	470/1174
Instrument	24001635

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	15699 RANKIN AVE, DUNLAP, TN 37327

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	12 Months
Due	Jun 20, 2025

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Dec 17, 2024
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Document Number	0000003507
Book / Page	473 / 69
Map Reference	MB D PG 174
Instrument Date	Dec 16, 2024
Instrument	24003507
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INSURANCE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327

Mortgage

Document Number	0000003508
Date	Dec 17, 2024
Instrument	24003508

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	May 23, 2024
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Document Number	0000001350
Book / Page	469 / 2882
Map Reference	MB D PG 174
Instrument Date	May 22, 2024
Instrument	24001350
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Tax	$185.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LAND DRERNI, DUNLAP, TN 37327

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEQUATCHIE TN
Recording Date	Feb 23, 2021
Property Address	85 CHEROKEE ST, DUNLAP, TN 37327-3327
Document Number	0000000582
Book / Page	413 / 819
Map Reference	MB D PG 174
Instrument Date	Feb 23, 2021
Instrument	21000582
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2261, DUNLAP, TN 37327-2261

Mortgage

Document Number	0000000583
Date	Feb 23, 2021
Instrument	21000583

Lender

Name	MOUNTAIN VALLEY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 23, 2022

Tax Assessment & Valuation

Source: Sequatchie County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Sequatchie County
Municipality	Dunlap City
Unified School District	Sequatchie County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$65,850 Land $3,350 Building $62,500
2023	$510.00 (+19.44%)	$21,125 (+64.4%) Land $12,225 Building $8,900	$263,400 (+412.45%) Land $13,400 Building $250,000
2022	$427.00	$12,850 Land $8,325 Building $4,525	$51,400 Land $33,300 Building $18,100

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 85 Cherokee St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	May 2024 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 85 Cherokee St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 69% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	DUNLAP WATER SYSTEM serves 9,782 people · EPA ID TN0000205
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (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	5 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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