975 Estes Rd, Loudon, TN 37774 Property Records

Loudon County property record for 975 Estes Rd, Loudon, TN 37774

Property Summary

Property Type	Single Family Home
Details	8 ba · 7,871 sqft · built 2014
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Tax Bill	$5,401 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053018K A 00900`

Property Details

APN / Parcel Number

Primary APN	`053018K A 00900`
Alternative APN	`018K A 00900`

Interior

Full Baths	8 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	25 Plumbing Fixtures
Stories	2 Stories
Building Area	7,871 sqft Living Area
1st Floor Area	5,060 sqft
Upper Floors Area	2,430 sqft
Basement Area	2,530 sqft
Finished Basement	2,530 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	2,430 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	560 sqft
Porch	Open Porch
Porch Area	578 sqft
Deck Area	192 sqft
Patio Area	1,000 sqft
Gazebo	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	975 ESTES RD
City	LOUDON
State	TN
Zip	37774-6201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	FIELDS AT PINE GROVE UN 1 9
Legal Subdivision	FIELDS AT PINE GROVE UNIT 1
Legal Lot Number	9
Jurisdiction	LOUDON TN
Township / Civil Division	5
Census Block Group	4
Census Block	4028
Census Tract	60100

Owner

975 Estes Rd is owned and occupied by an individual who acquired it in December 2019.

Source: Loudon County records, as of January 22, 2026

Owner of Record	Individual Name on File
Mailing Address	975 ESTES RD, LOUDON, TN 37774-6201
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 11, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Dec 4, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Aug 10, 2018	Loan Modification, Mortgage · Conventional Mortgage UNITED CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2019
Deed Sale	Dec 4, 2019
Prior Sale	Jul 5, 2011 · Amount on File
Deed Document Number	19010867
Deed Book / Page	D348 / 632
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUDON TN
Property Address	975 ESTES RD, LOUDON, TN 37774-6201
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T1535/290
Date	Jun 11, 2021
Book Page	T1535/290
Instrument	21007605

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	LENOIR CITY, TN 37772

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Apr 23, 2046

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LOUDON TN
Recording Date	Dec 4, 2019
Property Address	975 ESTES RD, LOUDON, TN 37774-6201
Document Number	D0418/368
Book / Page	D0418 / 368
Map Reference	CAB H SL 344-347
Instrument Date	Nov 22, 2019
Instrument	19010867
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	FIRST PRIORITY TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 ESTES RD, LOUDON, TN 37774-6201

Mortgage

Document Number	19010868
Date	Dec 4, 2019
Instrument	19010868

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LOUDON TN
Property Address	975 ESTES RD, LOUDON, TN 37774-6201
Document Number	0000007497
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	975 ESTES RD LOUDON TN 377746201, LOUDON, TN 37774-6201

Mortgage

Document Number	0000007497
Date	Sep 7, 2018
Book Page	001381/000294
Instrument	7497

Lender

Name	UNITED CMNTY BK
Type	Bank
Address	LENOIR CITY, TN 37771

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 6, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 975 Estes Rd was $5,401.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Loudon County
Unified School District	Loudon County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,401.00	$305,450 (-) Land $23,375 Building $282,075
2024	$5,401.00	$305,450 (-) Land $23,375 Building $282,075
2023		$305,450 Land $23,375 Building $282,075
2021			$1,221,800 Land $93,500 Building $1,128,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 975 Estes Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2007

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 975 Estes Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 77% of Tennessee
Wildfire Likelihood	0.2% 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	WATTS BAR EAST U.D. serves 4,280 people · EPA ID TN0000969
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2022
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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lenoir City Utility Board Fiber	2,500 / 2,500

May also be available: AT&T, Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Estes Rd

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