865 Reading Cir, Mount Carmel, TN 37645 Property Records

Hawkins County property record for 865 Reading Cir, Mount Carmel, TN 37645

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,920 sqft · built 1994
Lot Size	0.46 acres (20,070 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Apr 2001)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`037005O F 00300`

Property Details

APN / Parcel Number

Primary APN	`037005O F 00300`
Alternative APN	`005O F 00300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	1,207 sqft
Upper Floors Area	1,189 sqft
Basement Area	1,435 sqft
Unfinished Basement	1,435 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,070 sqft
Lot Dimensions	160 ft deep x 125 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	246 sqft
Deck Area	372 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	865 READING CIR
City	MT CARMEL
State	TN
Zip	37645-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	DISTRICT: 07, COUNTY AREA: U01
Legal Subdivision	KINKEAD EST
Legal Block	SEC 6
Legal Lot Number	8 125
Jurisdiction	HAWKINS TN
Township / Civil Division	3
Census Block Group	4
Census Block	4006
Census Tract	50601

Owner

865 Reading Cir is owned and occupied by two individuals who bought it in April 2001.

Source: Hawkins County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	865 READING CIR, MT CARMEL, TN 37645-3150
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2001 · Amount on File
Deed Sale	Apr 20, 2001 · Amount on File
Deed Document Number	0000427880
Deed Book / Page	427 / 880
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAWKINS TN
Property Address	865 READING CIR, MT CARMEL, TN 37645-3150
Document Number	RB1322521
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	865 READING CIR MOUNT CARMEL TN 376453150, MOUNT CARMEL, TN 37645-3150

Mortgage

Document Number	RB1322521
Date	Sep 27, 2019
Book Page	001322/000521
Instrument	6022

Lender

Name	EASTMAN CU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 26, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hawkins County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hawkins County
Municipality	Mount Carmel Town
Unified School District	Hawkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$51,400 Land $6,300 Building $45,100
2023	$51,400 Land $6,300 Building $45,100
2021		$205,600 Land $25,200 Building $180,400

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 865 Reading Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 6, 2024

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 865 Reading Cir is moderate, ranking above 46% 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 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	FIRST U.D. OF HAWKINS COUNTY serves 19,972 people · EPA ID TN0000109
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: MountaiNet Telephone Company.

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