940 N Elm Ave, Erwin, TN 37650 Property Records

Unicoi County property record for 940 N Elm Ave, Erwin, TN 37650

Property Summary

Property Type	Single Family Home
Details	1 ba · 576 sqft · built 1940
Lot Size	50 acres (2,178,000 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jan 2024)
Tax Bill	$473 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023E-K-005.00`

Property Details

APN / Parcel Number

Primary APN	`023E-K-005.00`
Alternative APNs	`086023E K 00500` `000004813`

Interior

Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Stories	1 Story
Building Area	576 sqft Living Area
1st Floor Area	576 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,178,000 sqft (50 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Slab
Porch Area	137 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	940 N ELM AVE
City	ERWIN
State	TN
Zip	37650-1418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	E D CO BLK C LOT 11 50X150
Legal Subdivision	E D CO
Legal Block	C
Legal Lot Number	11
Jurisdiction	UNICOI TN
Township / Civil Division	2
Census Block Group	4
Census Block	4010
Census Tract	80400

Owner

Source: Unicoi County records, as of July 22, 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	940 N ELM AVE, ERWIN, TN 37650-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Jan 25, 2024	Warranty Deed, Transfer · ARM CLINCHFIELD FCU
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BK
Jul 18, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	2024142
Deed Book / Page	477 / 415
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	940 N ELM AVE, ERWIN, TN 37650-1418
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 N ELM AVE, ERWIN, TN 37650-1418

Mortgage

Document Number	0000502155
Date	Mar 31, 2026
Book Page	502/155
Instrument	26000655

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2051

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNICOI TN
Recording Date	Jan 25, 2024
Property Address	940 N ELM AVE, ERWIN, TN 37650-1418
Document Number	0000477415
Book / Page	477 / 415
Map Reference	MB 30 PG 165
Instrument Date	Jan 25, 2024
Instrument	24000142
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$351.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 N ELM AVE, ERUIN, FL

Mortgage

Document Number	0024000143
Date	Jan 25, 2024
Instrument	24000143

Lender

Name	CLINCHFIELD FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.9%
Type Change Date	Feb 1, 2034
Change Frequency	5 Years
Min Rate At Change	7.9%
Max Rate At Change	13.9%
Index	5-Year TN
Max Rate	13.9%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNICOI TN
Property Address	940 N ELM AVE, ERWIN, TN 37650-1418
Document Number	426154
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	DEBBIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 DRY CREEK RD ELIZABETHTON TN 376435738, ELIZABETHTON, TN 37643-5738

Mortgage

Document Number	426154
Date	Sep 4, 2019
Book Page	000426/000154
Instrument	1707

Lender

Name	RENASANT BK
Type	Bank
Address	JOHNSON CITY, TN 37604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 3, 2024

July 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	UNICOI TN
Recording Date	Jul 18, 2019
Property Address	940 N ELM AVE, ERWIN, TN 37650-1418
Document Number	424876
Book / Page	000424 / 000876
Instrument Date	Jul 11, 2019
Instrument	1390
Transaction Type	Foreclosure
Record Updated	Jul 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$72.15
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 38 ELIZABETHTON TN 376440038, ELIZABETHTON, TN 37644-0038

Tax Assessment & Valuation

Source: Unicoi County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Unicoi County
Municipality	Erwin Town
Unified School District	Unicoi County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$473.00	$18,125 (-) Land $3,125 Building $15,000	$72,500 (-) Land $12,500 Building $60,000
2024	$473.00 (+11.03%)
2023		$18,125 (-) Land $3,125 Building $15,000
2022	$426.00	$18,125 Land $3,125 Building $15,000	$72,500 Land $12,500 Building $60,000

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

Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (2001–2020)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Feb 2020 · other causes

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	ERWIN UTILITIES AUTHORITY serves 12,478 people · EPA ID TN0000231
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2023
Lead	Under 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Erwin Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Point Broadband.

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