The Home Buyer's Korner

Information presented should be used for educational purposes only.

November 5th, 2015

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CREATING THE DREAM OF HOME OWNERSHIP

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Log Home Living

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This past few winters gave Tennessee and many parts of the south received a real jolt with record low temperatures, but many stayed comfortable around Pickwick Lake in their log cabins all season burning just a cord of wood and using radiant floor heat.

It’s a myth that log homes never get a good energy rating, if built tight these homes can be some of the best eco-friendly structures around, and are known to get Five-Star Plus Energy Rating through the U.S. Environmental Protection Agency’s Energy Star program.

Energy efficiency isn’t the only reason many home buyers and second home buyers can’t wait to own their log home. Some of us simply want more land to exercise our horses and had always wanted a log home to eventually retire in. Often we start off buying several acres on dead-end roads, with spectacular views for weekend getaways, and the idea of making the spot a full-time residence someday.

Building a second or log home often takes time and a little effort. Often times there is land to clear, countless models to consider and you’ll want to work with your home builders design staff to make some modifications to any stock plan by adding more windows, expanded the kitchen or opening up a floor plan. And it simply goes without saying that we want a new home to be as energy efficient as we can get it.

When looking for a log home builder the first things to confirm is all the company’s materials are eligible for a five-star energy rating. The logs are pre-cut, lettered and numbered at the factory and then taken to the site to be stacked into exterior walls.

It’s better to position your log home for maximum sunlight and consider a deep open deck ringing the front and sides, which are perfect for entertaining. A log home on or near Pickwick Lake is a great place where we can have a few people over and not worry about the neighbors or keep a horse in a barn on the property, hike, or walk your dog in the nearby woods.

To get the energy efficiency you want to make sure those areas where air can leak out or in—corners and between the logs—are sealed.  I recommend using a stick framing in the roof and use a lot of spray foam in the corners, rafters and floor joists. The basement should be built with reinforced ICF (insulated concrete forms)—basically 2 1/2-inch-thick Styrofoam panels filled with concrete. And consider having the basement flooring complete with radiant heat floors like the rest of the home, which are fueled by propane.

According to the EPA, to achieve the highest energy rating, a new home has to have comprehensive air sealing, properly installed insulation, high-performance windows, a high-efficiency heating and cooling system, comprehensive water management system, and energy-efficient lighting and appliances. To achieve this many home buyers purchase Energy Star appliances, LED lighting and an air-exchange system and if your log home is really tight, consider installing a heat recovery ventilator (HRV) in the basement to bring fresh air in from the outside.

When building your log home be sure to get familiar with the Home Energy Rating Score (HERS), which shows all the extra steps taken in construction will pay off. The HERS index is a number between 0 and 100 that represents a home’s energy use compared to homes of similar size and shape that were built to the minimum energy code. For example, a home with an index of 80 means that it uses 80 percent of the energy consumed by a similar home built to minimum code.

After a home is built, a third-party rater or local utility company collects data from tests such as the blower door, which measures air infiltration, to come up with a rating. A friend of mine just completed building their new home and came in at 47, which got a five-plus rating and they were pretty proud of that. Because the score was so good the people who did the test thought their machine was broken. Not only will my friends save energy and see savings on their utility bills, but they also received several energy efficient rebates offered by local, federal and even utility companies.

For a log home to be truly wonderful, it should be beautiful as well as functional. I’m a fan of knotty cedar for the interior of the pine log house. It makes a great contrast with a kitchen’s that has blackish granite counters and gray slate tile as well as the teak hardwood floors used in the rest of the home. Teak floors are really durable for a dog’s claw and work well with the radiant heat, which can fluctuate with the temperature and humidity.

If you’re thinking about that second or retirement home, consider log cabin living, on any of Tennessee’s landings were the horses, dogs and you have plenty of trails to roam as well as a cozy, warm home and barn. It’s quiet and relaxing and the views are phenomenal. What more could anyone ask for?

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TENNESSEE HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace a deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

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FNMA HomeStyle FNMA My Community Mortgage FHA One-Time Close Construction Portfolio or VA home loan Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Condominiums Co-Ops Townhomes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes General Contractors Home Improvement Experts Kitchen & Bathroom Renovations Real Estate Brokers & Agents Mortgage Lenders Federal Credit Unions Community Bankers Real Estate Listings Jumbo Investor Hard Money HARP HECM Equity Zero 3% 3.5% Portfolio Non-Warrantable Down Payment Assistance Harxard Flood Insurance 38372 • Arapahoe Dr EMMAUS WAY EASLEY LOOP Branch Estate Ln BRANCH ESTATES LN Peva Loop PEVA LP & CLEAR RD LOVE LN DR Sharon Dr Stout St Rocky Loop Northwood Dr INDUSTRIAL RD Ken Roberts Ln Carver St SERENITY DR Beckham Ln Eunice Ln Dalton Cv Gray St CARVER ST & WHITE ST EUNIS LN Eunice Ln Bryant Ln Bridge Ave Luke Ln Myrick Dr MARIE LN Jaggers Ln Tree Canopy Cv Highway 128 Peppermint Ln Blackwelder Ln CHURCH ST & BOWEN DR Francis Way Hogohegee Dr Patterson Rd Baseball Dr Barker Dr Connie Beth Lane Ln Connie Beth Ln Nellie Ln MATTHEW LN Eureka St KAYLIE LYNN LN CARPENTER LN Lula Ferrell Dr Colonel James Hardin Dr ELAM WAY & CLEAR RD Laura Annah Ln Baileys Way Pt Hawk’s Nest Path Ridge Pointe Dr E Nolan St Duck Dr Hardin Rd Gammill Ln 5 Breeze Point HARDIN RD/BELLWOOD ST 95 Jim Alford Cove Col James Hardin Dr Sutton Hollow Rd K E SHORT LN Red Oak Dr Willena Way Shady Grove Loop Choate Creek Rd HUDSON RD Ferrell Ln Ben Bo Ln Nicole Way Savannah Tn Higgins Dr Bluff Creek Cove Cv Sandy Lane Circle ONE DR WALTER WAY PIER POINTE Kaylie Lynn Ln Wl Stricklin Loop RIVER FRONT DR Towboat Wilkes Manor Way Becky Rd Carl Ln Big River Plantation Rd Pelican Pt Shipwatch Pt Joescott Ln Choctaw Cir Montgomery Ln TWO RD POND ST Breath Taking Loop Mill St County Home Rd KERR FARMS LN COUNTY HOME ROAD & WEEKS LN KERR LN MEADOW LANE DR Family Loop COUCH RD Dixie Dr Sutton St OFF HARDY RD Lance Rd Anchor Bay Pt Twin Forks Ln East Dr OFF YOUNG LN PAINE RD Clear Rd HWY 203 Deer Ln HWY 203 & EMMAUS WAY HWY 203 & LONESOME PINE RD HWY 203 & MT COMFORD RD HWY 203 OFF OF Ke Short Ln Airways Blvd AIRWAYS BOULEVARD & MEADOWLNE Marigold Ln CLEAR ROAD & ELAM WAY CLEAR ROAD & PEVA LOOP CLEAR ROAD & WALTER WAY WALKERTOWN DR WALKERTOWN DR & LAVISH LN Riverside Dr Grove Ln RONNIE LN Beulah Gean Rd Lillian St MCREYNOLDS LN Fox Hollow Loop Gant Ln PERCH LN Hosey Loop ALEC LN Orchard Ln Canby Cir Dude Dr DEBERRY ST Cypress St CHAD LN Rhodes Pl Lewis St Cagle Cir RAVENWOOD CV Brandi Dr Northshore Dr Edna St ANCHOR POINTE Rose Rd Sauger Dr Winningham Dr Nicky Way Anchor Pt Oak Grove Rd Leaning Tree Way Ryan St Cap Blount Ln Smith Ave Sawmill Br MORGAN ROSS RD MAIN ST Town Branch Rd Drake Loop Cumberland St Allison Ln SUZY CV Wolf Chase Cv Aker Cir J H WINBORN LN John C Breckenridge Cv Jones Rd Nancy B Dr Riverside Dr S Bailey St MOSS ST AKER CIR MCKELVY HOLLOW RD Bass Ln Rhonda Ln Candle Glow Ln HWY 226 Ross Branch Estates Rd Highway 226 Steele Rd Counce Dr Deer Path Mccaleb St Ancil Way Windmill Rd Pearl Ln Nicole Way HORSE CREEK RD Fox Ln Handy St Harrison St Pyburns Dr Lonnie Ln Primrose Cv Catfish Ln CHERRY ST Elderberry Ln Irvin Rd Bell Rd Mallory Ln Botel Rd BLACKWELDER LN Coleman Dr Comfort Rd COUGAR LN Cromwell St Emily Cv FAWN LANE 30 & COVE LN GRIST MILL LN HWY 128 & PENTECOSTAL LOOP HWY 64 & LORENE WAY KERR LANE & HUNT LN MARIGOLD LANE & MT COMFORT McKelvey Hollow Rd SCHOOL DR TAMMIE LANE & HUNT LN Tammie Ln L STRICKLIN LOOP Bain Rd BAIN RD E CUMMINGS HOLLOW LN Bear Dr COR HANDY & HARLEM ST COR HANDY & KING ST COR HARLEM & CARVER ST Diamond Island Dr SOUTH ST Old Town Loop OLD TOWN LP & DOUBLE SPRING Highway 128 Riverside Dr 55 Buck Rub Cove Oasis Lane Breathtaking Loop the Preserve Sub. Mabry Circle COR S DEBERRY ST & PINHO COR SOUTH ST & BLUFF CIR Mabry Cir COR WAYNE ROAD & SHELBY DR J V SHELBY LN Oak Hill Dr Coldspring Loop Chris Jon Ln Chris Lee Ln Faraway Pt MAIN ST Tom Way Whites Creek Rd TENN RIVER LANE & DUCK DR OFF PATTERSON RD Crown Hill Cir Hooker St Two Boys Rd Herndon Way Armory Ln Double Springs Loop RODEO WAY ENCHANTED LN Roosevelt Dr 315-SAV WASHINGTON ST Sugar Maple Ave Turner Kyle Dr Church & Oak St Turner Ln Bandit Way SADONNAH LANE & PAULA LN Sadonnah Ln Stillmeadow Ln Alexander Dr Ridge Rd Settlers St Timberline Loop Hac St Paul St Roy Crunk Ln MAGIC RD Jerrolds Ln MAGIC ROAD & PAULK RD Thomas St TENN RIVER LN HWY 69 & ONE POMPEYS BRANCH ROAD & BRUTON Nannys Ln Rosewood Dr Blossom St Alma Ln Tennessee St Monty Dr Great Oak Ln Cheyenne Cv Robemma St Shaw Ln Delbert Rd Edwards Dr COLONY CV Don Ln Young Ln Ranch St GILLIS RD Winds Cv Young Ln WINDS CV & EAGLE DR Shipwatch Pointe Dr Westshore Ridge Rdg Partridge Ln River Breeze Ests Court St THOMAS ST & HARBERT DR PAULA DR Cricket Ln LOOKOUT PT Highway 64 Webb Way BLOUNT & ARTHUR ST VIC BLUFF CIR VIC BLUFF COUNTY RD & SOUTH ST Titan Way Blount Dr P ROGERS LN Ray Ln VIC PICKWICK RD VIC SEVIER & PAUL ST Alabama St Irwin St JACK GEAN DR MCKINLEY RD Boat Ramp Road Rd Seven Oaks Cv Hays St Tall Timber Cv McClain Ln Bayse Ln ARMSTRONG ST Cravens & Shelton Bottle Ln Arborwood Ln Legacy Pt HIGHWAY 69 Burnt Church Rd Holland Creek Rd Highway 69 S LUTHER FAY LN Tidewater Pt Hamburg Loop HAMBURG LP & NIXON LOOP Naomi Dr Faint Ln Bluff Cir Parker Way Eleanor St Eagle Dr Riviera Cv Bluff Creek Cv OTIS WAY Hickory St Holt St Bluff Creek Pt WILD ROSE LN Bull Hollow Loop Bright View Ln Pilgrims Rest Rd MARINER POINTE Mariner Pt Prince Pl Phelps Rd SARAH LN Lake Bluff Path OFF TOPSY LN First Pittsburg Dr PAULK DR Jordan Glen Ln ONE Target Ln Washington St Friendship Loop DIANE LN Hames Cemetery Ln Shipwatch Pt Sail Boat Pt Sailboat Pointe Shipwatch Pt Sailboat Pointe CLEARWATER RDG Mound St Hwy69s MAXIE LOOP Shawnee Cv One Stop Dr Ridge Point Dr LIGHT POINTE Rich Rd Elementary Rd Harlem St Bible Way Lonesome Pine Rd Talley St Southerland Ln High Pointe Dr Raymaon Mcannally Rd Worley Rd Main St E BUCK RUB Buck Rub Cv HIMA RD Sevier St GOBBLER BRANCH LN ARNOLD LN Wharf Rd CARRIAGE TRL Dodd Dr SUGARMAPLE AVE DEANS LN Swamp Dr Pleasant St Breck Cove and Raymond McAnally Rd Cravens Dr Crown Hill Dr Endless View Rdg Tyler Dr Cravens Rd CRAVENS ROAD & DUNBAR STATE RD Ridge View Dr Old Man Loop Anderson Hollow Rd Sandy Ln Riverbreeze Red Oak Trl Crunk Loop Anderson Holw Fielder Ln Lake Cir Banks Ln Pitts St Baker St Spencer Ln Rogers Dr MOON WAY HURLEY LN Scarlet Dr Point Clear Ct Brian Eddie Way Point Clear Cv Point Clear Dr Country Club Rd Raymond Mcanally Rd Alfred Rd Brandi Dr Wagon Wheel Ln Kyle Pl Riverview Ter Carrie B Dr KENNETH LN Endless View Ridge Rd Maxwell St Southern Ln MARGUERITTE CV MARQUERITE CV Clement Dr Point Grand Blf Point Grand Ct POINT GRAND CT & DR POINT GRAND DR POINT GRAND RDG Megan Ln Graham St BRIANEDDIE WAY Rinks Ln BEECH ST WASHINGTON ST-SAV TRAIL LANE & BASS LN TRAIL LANE & SCENIC RD DAFFODIL WAY TRAIL LN TYLER ST Marion Dr Lewis Chickasaw Dr HARMON DR Blount St Turtle Cv WOOD CLIFF LN Austin St Branum Ln Godwin Ln Morningside Cir Dougs Ln Calvary Ln magic rd Harmon Rd Praters Ln Boulder Rdg Sullivan Dr Daniel St Main St PERRY PL Gentle Ridge Way Cromwell St MICHAEL LN Franks Ln Anchor Point Rd Pelican Point At Northshore Rd TUCKER PL Deshazier Ln AUSTIN ST EXT Phillips Dr DUNBAR ST LAKEWAY LANE & POMPEYS BR RD LAKEWAY LN Main St E The Lords Way Birch St EMBASSY CV EMBASSY CV & DARLINGTON DR Homeport Ln Cassandra Way Carrington Dr TIFNI LANE & CHAD LN Tifni Ln Bruton Br Popewood Ln Glendale & Hookers Ben Rd Sylvan Dr Tucker St Northcutt St Hwy Watson St Edgehill Ln Hamilton Rock Ln AIRWAYS BLVD Woodrow Rd HUMMINGBIRD LN Blythe St WATSON ST & BLOUNT ST Hwy 226 Airport Rd Park St. Park St Dove Dr Goodman St Carrington St Goodman Street Ext CARRINGTON ST EXT Anchor Pointe Dr Marcella Ln Farmington Rd KING ST Deberry St Raymond McAnally Rd Benny Ln Moonshine Ln HURT ST Cove Ln Pyburns Dr 380 Worlwy Rd MAIN ST & DEBERRY NIXON LOOP NIXON LP & HWY Berryhill Ln Sulphur Springs Hollow Ln SULPHUR SPRINGS HOLLOW RD Bounce Dr Camp Ground Rd Catfish Ln INDIAN HILLS LOOP Rd Palm Ln Stadium Dr Somerset Loop Henry Ln Eastport Lndg Buster Watch Ln Busters Watch Ln Sailboat Pointe Rd Ridgefield Dr EAST END DR Chief St Greenleaf Loop Vista River Lane Ln KING ST & DUNBAR ST KING ST & WASHINGTON ST Brave St White Oak Cir Black Pl Magnolia St Spring St Jewel Ln Faith Ln LODGE LANE & TIMBERLINE LOOP Lodge Ln English Rd High St Sadonna Sadonna WHITNEY LN Sandy Lane Cir Old Town Rd Cobblestone Dr Antelope Cv RED OAK PT Willow St Kasey Rd Macon St WOODS CLIFF LN P Haynes Ln Frazier Way Pinnacle Pointe Pinhook Road E Horse Creek Rd Casteel Ln HOLLOW TREE RD Guinn St Cool Water Grande Vw Coolwater Cv Grande View Ph 1 Old Pinhook Loop Nowlin Way Wesley Ln Plainview Dr Bensontown Dr Robertson St Fishermans Loop SAILBOAT POINTE Sailboat Pt SMOKEY RD Bunn Dr Centerview Rd Pine St MT COMFORT RD buck rub cove Mockingbird Ln Swing Bridge Rd Weeks Ln OFF SHELBY DR Ridge Pointe Dr W Ridgeview Dr Aenon Ln Jh Winborn Ln Vine St LACEFIELD DR Opel Loop Stricklin Pl SCENIC RD Barrier Ln Jw Davis Dr GAREY DR Smoky Rd Garey Loop Barriertown Dr 128 BESSIE WAY & HWY COR HWY 128 & HANDY ST COR KING & HANDY ST COR HANDY & HARLEM ST CORNER CARVER ST CORNER HARLEM POND ST HIGHWAY 64 E Poplar Springs Rd Horace Ln 95 HWY 128 & OLEN LN BRUTON BRANCH ROAD & THREE Crestwood Ln DODD DE DRAKE LP & BILL WELCH DR HIGHWAY 22 HWY 128 & BRICK LN LOOKOUT POINT & BRUTON Roxy Cv SCENIC ROAD & BRUTON RD TOP RD WHEELER DR Cedar St Moore Rd Big Ivy Rd Bunny Trl Stag Ln Church and Oak St RAINEY LN MT HERMAN RD Boardwalk Loop Tilley Rd MT HERMAN ROAD & CERRO GORDO GERMANY BRANCH RD Cool Cove Grande Vw Lacher Rd Bellis Rd BELLIS ROAD & ARNOLD LN Wildflower Ridge Ln Topsy Ln Maddox Loop Oasis Ln Peabody St OLEN LN White Oak Pointe WHITE OAK PT Trinity Cir Grand Oaks Cove Cv Breaktaking Loop RIPPY LN Satinwood Cv Vivian Ln Yeiser Dr GEAN LN Harbert Dr WILLIAMS ST Bubba Dr LOWER ANDERSON HOLLOW Town Loop Geans Ln HOLLY BRANCH RD Dora Lee Way Boat St Autumn Ln Tillytown Ln Songbird Rd Katherine Ln HUNT LN TVA RD Riviera and Shipwatch Pt Davis St Water St Jackson St ARROWHEAD WAY Preserve Blvd HIMA DR Breeze Pointe Cir 15A/25B KYLE PL Captains Cv OAKS CV Balentine Ln FLORENCE RD Riveria Dr & Shipwatch Pt Sweet Dr Joy Ann Cir HAWKINS ST Long St Bj Woodson Ln Canyon Cove North Shore Dr Cravens & Shelton Dr Endless View Ridge Rdg Horvath Lot 4 the Retreat At Highpoint Hwy 69s Hwy Tulip Ln Ridge Point Drive W Dr HAWKINS ST & BLUFF CIR Polk Ln Central Ave Declan Declan Ln Robin Hood Loop Janey Loop PORTER LN Morris Rd Poplar Springs Rd Squaw St DAVIS ST EXT Parkview Dr Fairground St Ping Rd Bright View Rdg Cravens Rd & Rosewood Dr Ln COTTAGE PL COLLEGE ST Bowen Dr Jim Patterson Ln BOWEN DR & SHAWNEE CV Teal Ln PICKWICK ST Pinhook Dr PINHOOK DR & MAGNOLIA Breath taking Loop Pinhook Rd GRAND DR CLIFF HANGER RD Snapper Cv FARRIS LN Cochran St Shelby Dr Meadowlane Dr Evergreen Ter 64 Hwy E Gulmer Loop Bessie Way Andrews Ln Melody Cir Hawks Nest Path Creek Ridge Rd End Dr Meadowlane Dr MELODY CIRCLE & KEN ROBERT Covey Chapel Ln Lion Ln MARCELLA LN Number Two Rd WARREN LN LIZ TAYLOR LN Plantation Blvd Bellwood St WATER VIEW LOOP SALT LN Laden Ln BRECKENRIDGE LN WEST DR Coco Ln Poplar St TRACEY TRAIL LANE & CHAD LN Tracey Trail Ln Qualls Rd Round Top Rd LAMBERT LN McDowell St Jv Shelby Ln Jw Davis Dr Bobbie Ann Dr Breckinridge Ln Foursquare St Breath Taking Loop Waterview Loop CORNER CRAVENS-DUNBAR Johnson St Lynn St Elm St DRY CREEK LOOP Gallaher Dr 55 Endless View Ridge Homestead Way CORNER HOLT & CAGLE Hwy 69 – White Oaks Subdivision WELCH DR Hunter Hill Dr Cherokee Trl Riverbreeze Riverbreeze Estates Rd Riverbreeze Rd Antler Rd Welch Ln CORNER MAIN & ROBERTSON TURNER DR MT ZION CEMETERY LOOP GRAND OAKS CV Betsy Bobby Ln Moose Lodge Loop Pinnacle Pt Lady Bug Way Highway 203 Iris Ln QUARRY HOLLOW POINT RD Quarry Hollow Pt CAMPGROUND RD Gallaway Cv Corner of High St & Nolan Dawn Ln HWY 64 RIVA RIDGE LN Elk Ln Outhouse Dr Old Highway 64 Horse Creek Rd Jacob Way CLAY LOOP CLAY LOOP & MT COMFORT RD HUBBARD ST HWY 64 E Boon Ln HORSE CRK Antelope Cv Adams St 69 Hwy S BUCKTOWN LOOP Breeze Pointe Rd Breeze Pt Waterview River Breeze Est Grand Villas Garner Ln Foothill Ln OMA JEAN LN HWY 128 Ziffle Cir HWY 128 & 60 PYBURNS DR Fause Rd HWY 128 & HOUSTON LN HWY 128 & OLEN LN HWY 128 & WORLEY RD HWY 128 IN WALKERTOWN HWY 128 N CERRO GORDO SAV WASHINGTON ST Angel Ln Downhome Ln SHELL ST Discount Dr SHELL ST & CLIFTON RD SHELL ST & WASHINGTON Warrington Ln MELROSE CV WESTSHORE RDG JOANN LOOP DEFORD ST Ralph Pl Bud Ln Twin Fork Ln Riviera Cv Aquaticview Way HIGHWAY 203 E HWY 69 Reba Ln Bluff Creek Rd Majestic Cv Spruce Ln HWY 69 & CHERRY CHAPEL LOOP Light Pt Native Leaf Cv River Breeze Est Rd Sawmill Branch Ln HWY 69 & HOLLY BRANCH RD HWY 69 & HWY HWY 69 & WHITES CK RD Acorn Ln Dew Drop Rd HWY 69 OFF OF Mathew Ln Warrior St Pickwick Rd Pickwick St Pickwick St S Lucky Trl CHERRY CHAPEL LOOP JOANNE LOOP RIVERFRONT DR Freeman Dr Irish Setter Ln Wayne Rd Darlington Dr Linda Dr Bethel Ln Porch Swing Ln BRIARY LN Dewayne Ln Tackett Ln Belmont St Blazing Trail Sequoia Pl SEQUOIA PL RIDDLE RD Pinson Way Arthur St Harville Ln Fawn Ln ODLE LN Claybrook Dr Chestnut Ln Dogwood Pt Galloway Cv BARTLEY DR Maple St Crabapple Ln Heartland Ln Lucy Loop LUCY LP Bruton Branch Rd Highway 203 Travis Way Sp Rogers Ln Porch Swing Cv Mcginley Loop Bruton Rd Flairwood Cv Coffee Landing Rd Malcomb St HUCKLEBERRY LANE & BRUTON BR Breck Cv CEDAR COVE LN Olivet Dr Fullen Ln Crabapple Trl Quartet Cir Brick Ln ABBIE WAY Rachel Way Collins Ln Massey Ln Breckenridge and Susie Cv Daisy Ln HIGHWAY 128 SPARKS BEND LN Cave Hollow Ln TONY WAY Wilkinson Ferry Rd Int. of Hghway 128 & Creek Ridge Rd Walnut St Bf Terry Cir Russell Chapel Ln Wilkinson Ferry Dr B F TERRY CIR HWY 128 38425 Brandon Ln David Ray Rd Old Ferry Rd THOMAS HOLT RD Frank Hughes St Ruble Dr Helton Dr Riley Ln WATER ST E Prater Ln Rivers Edge Ln WATER ST W Leisure Ridge Rd Creek Ridge Rd Forrest Ave Ben Ray Loop River Ridge Rd Lot 1 Sugartree Falls HIDDEN HOLLOW RD Wc Pickett Rd C PICKETT RD TVA Rd Swinging Bridge Rd TOM HOLT RD Nance Bend Rd WARREN HOLLOW RD POLK ST Nance Ln Doll Conway Rd DICUS LN Lone Rider Ln New Beginning Ln Ragans Trl SUNRISE LN JAMES RIDGE RD Hugh Nance Ln Long Rider Ln ELM ST NEUSE ST CULPLS BEND RD EAGLE VIEW RD LAPA LN PETERS LADNING LAPA LOOP PETERS LNDG CULPS BEND RD Patmore Ln SENATOR COBB RD 3RD ST FURNACE LANDING DR Furnace Landing Rd James K Polk St MORRIS AVE Buttam Hollow Rd Pillow St GARDEN ST RAY HOLLOW RD RIVER EDGE LN Jeter Rd Lake Dr Sparrow Loop Pevahouse Hollow Rd SHIRLEY BATES RD CHURCH ST E Jerry Prater Rd Joe Rd JOHNSON ST Miller Dr Ray Rd 4TH ST Lala Ln SETH DR HURST ST STEELE ST HWY 128 & SEWELL BRANCH RD SEWELL BR WATER ST COLONEL JAMES HARDIN DR SKYLINE DR Beechview Seth St Paradise Landing Rd Chapel Farm Rd Adams Loop Riverstone Marina WALNUT ST Tomahawk Ln POPLAR ST W COL JAMES HARDIN DR Col James Hardin Rd Stockade St Howell Hollow Rd Raymon Pulley Rd MT TABOR ST BUNDRANT ST Col James Hardin Dr ELM ST W HAYNES HOLLOW RD Sunset Dr Streaming Water Loop Of Bill Nance Hwy Hester Dr PETERS LANDING RD PETERS LANDING SPUR skyline dr Hideout Hollow Rd Norwood Ln River Rd River Rd. the Point-Next To Boat Ramp Tirin Rd T S STRIBLING LN GENEVA RD Tinin Rd Cypress St Sewell Branch Rd 2ND ST W Goodman Rd Selph St ACCESS RD FACTORY DR Main RIVER RDG POWELL BRANCH RD Robert Starnes Rd DEVERS ST LINDEN HWY Hardin Bottom Rd LINDEN HWY-TN RIV Powell Circle Rd Hardin Creek Rd RIVER RD Tinn Rd HIGH ST Mount Tabor Church St Newland Mayhut Trl PILLOW ST 2ND ST TATER BUG LN CARROLL RD Ross Creek Rd Ross Creek Ridge Rd HWY 128 Pillow St PILLOW ST W FLIPPO BRANCH RD Horton Rd CHURCH ST Dan Richardson Rd Faerie Trl GUN ST Highway 114 Beechview Rd Water St Wheat Branch Rd BEECHVIEW LOOP Shirley Bates Dr MORRISON CREEK Morrison Creek Ln Morrison Creek Rd Buffalo Meadow Ln Vine St MAIN ST Neuse St MIDDLETON LN CARROLLVILLE LANDING RD CLEVELAND ST Lesley Ln Billy Nance Hwy SCENIC CIR CEDAR ST Beech Creek Ln BEECH CREEK LOOP Beech Creek Rd Beech Creek Loop 1003 and 1005 WC Pickett Rd Jwoodson Ln Middleton Rd Beechview ACKIES LN Beechview Dr FACTORY ST Highway 128 Whiteoak Rd E FORREST AVE Whiteoak Rd W Sunset Steve Smith Rd REBEL CV Grinder Rd Elm St Ts Stribling Ln Kiki Cv Ashlyn Ln KEITH DR At Wayne County Line Hwy Harnisch Rd Dobber Rd Scenic Dr CROSSNO CEMETERY RD Linden Hwy CHURCH ST LOCH LOMAND DR AIRPORT RD Riverstone Loop Adams Loop Riverstone Riverstone Adams Loop Alley Ln 38475 Smith Fork Rd Standfill Ln OLD BETHLEHEM RD Jowers Rd Persimmon Ln Randall Ln BETTY LN COPPERHEAD LN LONESOME PINE RD Low Water Bridge Rd Panther Ln PINEY GROVE LOOP Beckham Hollow Rd Old Man Loop Baptist Loop Comanche Ln Wise Way ARCH LOOP Olive Hill Rd Chinaberry Ln Hwy 64 PEACEFUL LN COY HILL ROAD & HWY 64 Hacker Ln HARBOUR PITTS LN RANDALL LANE & OLIVEHILL RD Cerro Gordo Rd Accessed HULEN LN Will Brown Rd OLIVEHILL RD School House Ln Bigbie Ln CERRO GORDO OLIVE HILL RD Good Life Cv Tl Daniels Ln Melson Way Mystic Springs Ln Lavender Ln Reed Ln COY HILL ROAD & JOWERS RD LOWE WAY Flat Gap Creek Rd CERRO GORDO RD Cat Hollow Ln CREEK RIDGE RD BIRDIE LN Coy Hill Rd Simmons Ln Highway 64 Hidden Cave Ln Old Man Loop Dark Way STANFILL LN 38001 38002 38004 38006 38007 38008 38010 38011 38012 38014 38015 38016 38017 38018 38019 38021 38023 38024 38025 38027 38028 38029 38030 38034 38036 38037 38039 38040 38041 38042 38044 38045 38046 38047 38048 38049 38050 38052 38053 38054 38055 38057 38058 38059 38060 38061 38063 38066 38067 38068 38069 38070 38071 38075 38076 38077 38079 38080 38083 38088 38101 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