919 Stephanie Ln, Athens, TN 37303 Property Records

McMinn County property record for 919 Stephanie Ln, Athens, TN 37303

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,308 sqft · built 1993
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Mar 2001)
Tax Bill	$1,533 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Nov 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054047M A 01100`

Property Details

APN / Parcel Number

Primary APN	`054047M A 01100`
Alternative APNs	`047M A 01100 00001047L` `047M A 01100`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,308 sqft Living Area
1st Floor Area	2,084 sqft
Upper Floors Area	748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	74,052 sqft (1.7 acres)
Lot Dimensions	345 ft deep x 234 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	392 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	919 STEPHANIE LN
City	ATHENS
State	TN
Zip	37303-2387
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 01 045O A 045O 00801 000, COUNTY AREA: D01
Legal Subdivision	HERMITAGE EST
Legal Lot Number	10
Jurisdiction	MCMINN TN
Township / Civil Division	1
Census Block Group	1
Census Block	1015
Census Tract	970300

Owner

919 Stephanie Ln is owned and occupied by two individuals who bought it in March 2001.

Source: McMinn County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	919 STEPHANIE LN, ATHENS, TN 37303-2387
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Oct 29, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Nov 21, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 25, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2001 · Amount on File
Deed Sale	Mar 22, 2001 · Amount on File
Prior Sale	Jun 1, 1999 · Amount on File
Deed Book / Page	15Q / 514
Transfer Doc	0014000123
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	919 STEPHANIE LN, ATHENS, TN 37303-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 STEPHANIE LN, ATHENS, TN 37303-2387

Mortgage

Document Number	0001360400
Date	Oct 29, 2024
Book Page	1360/400
Instrument	259415

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2064

Interest

Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCMINN TN
Property Address	919 STEPHANIE LN, ATHENS, TN 37303-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 STEPHANIE LN, ATHENS, TN 37303-2387

Mortgage

Document Number	0001398181
Date	Nov 21, 2025
Book Page	1398/181
Instrument	269593

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCMINN TN
Recording Date	Jun 25, 2020
Property Address	919 STEPHANIE LN, ATHENS, TN 37303-2387
Document Number	22F930
Book / Page	00022F / 000930
Instrument Date	Jun 25, 2020
Instrument	216047
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	RAGLE TITLE SERVICES, VALLEY TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$888.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 STEPHANIE LN ATHENS TN 373032387, ATHENS, TN 37303-2387

Mortgage

Document Number	1202547
Date	Jun 25, 2020
Book Page	001202/000547
Instrument	216048

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 919 Stephanie Ln was $1,533.

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	$1,533.00	$73,350 (-) Land $5,725 Building $67,625
2024	$1,533.00	$73,350 (-) Land $5,725 Building $67,625
2023	$1,533.00 (+12.23%)	$73,350 (+55.4%) Land $5,725 Building $67,625	$293,400 (+55.4%) Land $22,900 Building $270,500
2022	$1,366.00	$47,200 Land $5,725 Building $41,475	$188,800 Land $22,900 Building $165,900

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 919 Stephanie Ln in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 919 Stephanie Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.05% 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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