# Fort Loudoun Lake, TN Luxury Real Estate Guide | ABODE Canonical page: https://abodeintlrealty.com/communities/fort-loudoun-lake-tennessee/ Last updated: 2026-10-09 Publisher: ABODE International Realty LLC (Real Estate Firm TN 263936; FL Corporation CQ1070640) Knox, Loudon and Blount Counties · TVA reservoir # Fort Loudoun Lake, Tennessee A Tennessee Valley Authority reservoir on the Tennessee River, where TVA permits shoreline structures and counties and towns set land use Fort Loudoun Lake is Fort Loudoun Reservoir, a Tennessee Valley Authority reservoir on the Tennessee River that TVA places in Blount, Knox and Loudon Counties, Tennessee. It is not a municipality. TVA approves docks and other shoreline structures under Section 26a and holds land rights along the shore, while counties and towns set zoning and building rules. In short: Fort Loudoun Lake is a Tennessee Valley Authority reservoir on the Tennessee River, not a municipality; TVA permits shoreline structures and counties and towns set land use. ## Fort Loudoun Lake at a glance | Fact | Value | Source | |--------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------| | What it is | A TVA reservoir. TVA says it is “located on the Tennessee River at Knoxville” and is the uppermost of nine TVA reservoirs in the chain that forms a navigable channel to Paducah, Kentucky | Notes 1, 3 | | Counties | TVA’s land plan says the reservoir is “situated in Blount, Knox, and Loudon counties in east Tennessee.” Wikipedia’s lake page lists the same three counties | Notes 2, 16 | | Dam | TVA says construction of Fort Loudoun Dam “began in 1940 and was completed in 1943.” The dam is 122 feet high and 4,190 feet long, and TVA gives its address as 1280 City Park Dr., Lenoir City, Tennessee. Wikipedia places the dam in Loudon County | Notes 1, 17 | | Water surface and shoreline | TVA’s dam page gives 14,600 acres of water surface and 379 miles of shoreline. TVA’s land plan lists 368 miles of shoreline, and TWRA’s page says 360. The sources disagree, so this guide states each (see the note below the table) | Notes 1, 2, 6 | | Flood storage and power | Flood-storage capacity of 111,000 acre-feet. Four generating units with a summer net dependable capacity of 151 megawatts | Note 1 | | Lock | A 60- by 360-foot navigation lock raises and lowers river craft about 70 feet | Note 1 | | Canal to Tellico | A short canal connects the reservoir to Tellico Reservoir on the Little Tennessee River. TVA says water diverted through the canal supports power production at Fort Loudoun and that barges can reach Tellico without a lock | Notes 1, 3 | | TVA public land | TVA’s land plan covers 1,513.3 acres of TVA public land. TVA says the plan was approved by the TVA Board of Directors on August 23, 2017, and that Fort Loudoun is one of eight reservoirs in its Multiple RLMPs project | Note 2 | | Water levels | TVA’s dam page says that, to maintain navigation depth, the reservoir “is kept at a minimum winter elevation of 807 feet,” and gives a typical summer operating elevation of 812 to 813 feet. TVA’s drawdown page says the drawdown on Fort Loudoun and Watts Bar begins November 1. TWRA says levels “fluctuate between 813 and 807 feet above sea level” | Notes 1, 5, 6 | | Who approves shoreline structures | TVA, under Section 26a of the TVA Act, through its Section 26a regulations (18 CFR part 1304) | Notes 8, 9, 11 | | Who sets land use and building rules | The county or town where the parcel lies: Knox County, Loudon County, Blount County, or a town or city inside those counties | Notes 18, 19, 23, 25, 29 | Fort Loudoun Lake, Tennessee. Updated October 2026. Where TVA’s pages disagree, this guide shows both figures. TVA gives 379 miles of shoreline on its dam page and 368 miles on its land plan page, and TWRA says 360; Wikipedia gives 13,769 acres of water surface against 14,600 on TVA’s and TWRA’s pages, and TWRA says the lake extends 55 miles upstream from the dam where Wikipedia says about 50 (Notes 1, 2, 6, 16). Related guides: [Tellico Lake](https://abodeintlrealty.com/communities/tellico-lake-tennessee/), [Lenoir City](https://abodeintlrealty.com/communities/lenoir-city-tennessee/), [Farragut](https://abodeintlrealty.com/communities/farragut-tennessee/) and [Knoxville](https://abodeintlrealty.com/communities/knoxville-tennessee/). TVA uses the name Fort Loudoun Reservoir; this guide uses Fort Loudoun Lake for the same body of water. ## How is Fort Loudoun Lake laid out? A long main-river reservoir with a dam and lock at one end, a canal to a second TVA lake, TVA-owned shoreline, private shoreline where TVA holds rights, and three counties along the edge (Notes 1, 2, 3). - TVA places the reservoir in **Blount, Knox and Loudon Counties** (Note 2). TVA’s dam page calls it “located on the Tennessee River at Knoxville” and gives the dam’s address in Lenoir City (Note 1); Wikipedia puts the dam in Loudon County (Note 17). - TWRA says the lake “extends 55 miles upstream from the dam to the confluence of the Holston and French Broad Rivers” (Note 6). Wikipedia says about 50 miles on the water (Note 16). The sources differ, so measure from the survey or a TVA map for any particular reach. - TVA sorts its own land into numbered zones. On Fort Loudoun these are Project Operations (454.2 acres), Sensitive Resource Management (59.6), Natural Resource Conservation (317.4), Industrial (33.5), Developed Recreation (590.8) and **Shoreline Access (57.8 acres)**, for 1,513.3 acres in all (Note 2). TVA’s land plan adds that “Zone 1 is Non-TVA Shoreland with TVA land rights,” which is not counted in that table (Note 2). - TVA defines Zone 7, Shoreline Access, as “TVA-owned land where Section 26a applications and other land use approvals” for shoreline alterations are considered. Docks and boathouses, access corridors and shoreline stabilization are among the uses it lists (Note 7). - TVA describes Zone 1 as “shoreland located above summer pool elevation that TVA does not own in fee” (Note 7), and its Fort Loudoun land plan calls it “Non-TVA Shoreland with TVA land rights” (Note 2). TVA does not allocate Zone 1 land (Note 7). - The **canal to Tellico** ties the two reservoirs together: TVA says Tellico Dam makes no electricity itself but sends the river’s flow through a canal into Fort Loudoun, adding 23 megawatts to capacity at Fort Loudoun Dam (Notes 33, 35). See the [Tellico Lake guide](https://abodeintlrealty.com/communities/tellico-lake-tennessee/). - The **navigation lock** at Fort Loudoun Dam lifts river craft about 70 feet between Fort Loudoun and the next reservoir downstream, Watts Bar (Notes 1, 17). TVA’s lake page says barges passing through the lock carry about half a million tons of cargo a year (Note 3). ## Who sets the rules on Fort Loudoun Lake? A lake is not a town, so it has no mayor, zoning code or building department of its own. Three kinds of body act on lake-edge land: TVA controls structures and activities affecting the shoreline and operates the reservoir, the county or town where the parcel lies controls zoning, building and floodplain permits, and the State of Tennessee permits septic systems. The short quotes below come from TVA’s Section 26a regulations (18 CFR part 1304); confirm the current text with TVA. - **Section 26a approval.** The regulation says Section 26a requires “TVA’s approval be obtained prior to the construction, operation, or maintenance” of covered obstructions. Examples it lists include “boat docks, piers, boathouses, buoys, floats, boat launching ramps, fills, water intakes.” TVA’s permit page says a permit must be obtained before any shoreline construction activity begins (Notes 8, 9, 11). - **Flowage easements.** TVA defines “flowage easement shoreland” as “privately owned property where TVA has the right to flood the land” (Note 10). Its regulations say “Any structure built upon land subject to a flowage easement held by TVA shall be deemed an obstruction” within the meaning of section 26a (Notes 8, 9). - **Where TVA property ends.** TVA defines “maximum shoreline contour” as “an elevation typically five feet above the top of the gates of a TVA dam,” and defines shoreland as the land between the minimum winter pool elevation and that contour (Note 10). The boundary on a particular lot comes from the survey and TVA records, not from this guide. - **A permit is not ownership.** The regulation says “A TVA permit conveys no property interest.” For facilities on TVA land, it requires the applicant to own, or hold an adequate leasehold or easement interest in, the land immediately adjoining the TVA land; for facilities on private land, the applicant must own the fee interest or hold an adequate leasehold or easement interest in the property (Notes 8, 9). - **Change of ownership.** Under 18 CFR 1304.10, “the new owner shall notify TVA within sixty (60) days” (Notes 8, 9). TVA’s buying-or-selling page says permits do not carry over automatically and that the new owner is required to apply for a Section 26a permit within 60 days of closing. TVA’s permit page lists a reissue fee for a new owner, usually \$250 (Notes 11, 12). Confirm the current steps and fee with TVA. - **Shoreline Management Policy.** TVA says its Board adopted a Shoreline Management Policy in 1999 that “established new standards for construction of facilities and vegetation management along the reservoirs,” and that the standards were added to the Section 26a regulations in 2003. TVA considers waivers for shorelines developed before November 1, 1999. TVA’s waiver page does not name individual reservoirs (Note 13). - **Vegetation.** On TVA-owned Residential Access Shoreland, the regulation says no vegetation management is approved until a Vegetation Management Plan is approved. On privately owned flowage easement shoreland, vegetation changes generally do not need TVA approval, but TVA can review proposed docks or other obstructions there for impacts on sensitive plants and other resources. TVA’s buying-or-selling page adds that clearing or managing TVA property also requires a Section 26a permit (Notes 8, 9, 12). Which category a lot falls into is a lot-specific question for TVA. - **Water levels.** TVA operates the reservoir. Its drawdown page says main-river reservoirs are lowered in a staggered way from July through year end, that Fort Loudoun and Watts Bar begin November 1, and that they stay lower “until near the end of the flood season—late April or early May.” It also says reservoirs are typically lowered at least to winter flood-guide levels by January 1 (Note 5). TVA’s Fort Loudoun dam page gives a minimum winter elevation of 807 feet and a typical summer operating elevation of 812 to 813 feet (Note 1); the drawdown page itself gives no elevations (Note 5). TVA’s general water-levels page, which does not name Fort Loudoun, says that between June 1 and Labor Day TVA works to fill the reservoirs for recreational use (Note 36). - **Counties and towns.** Knox County: Codes Administration handles building permits, plan review, inspections and zoning enforcement, and Knoxville-Knox County Planning lists plat review, planning commission and ordinance amendment work (Notes 18, 19). Loudon County: the Planning and Codes office serves Loudon County, the City of Loudon, Greenback and Philadelphia (Note 23). Blount County: Development Services accepts construction permit applications and the Building Commissioner enforces the zoning regulations and issues building permits (Notes 25, 26). Lenoir City publishes its own zoning ordinance and subdivision regulations (Note 29). Which of these applies depends on the parcel’s location, including whether it is inside a town’s limits. - **Floodplain.** Knox County’s Floodplain Program says work within the mapped floodplain generally needs a Floodplain Development Permit before it begins, and that new construction is generally required to be elevated one foot above the FEMA 0.2% annual chance flood elevation where that applies (Note 20). Loudon County’s planning page links a Flood Damage Prevention Resolution (Note 23). - **Septic.** Tennessee requires a Septic System Construction Permit to install a septic system or to repair a faulty one; TDEC’s page directs applications to the Division of Water Resources at the appropriate Environmental Field Office (Note 31). TVA’s septic guidance adds that on flowage easement property it requires a 50-foot horizontal setback between the disposal field and normal summer pool, that it requires a 2-foot vertical separation between the disposal field and normal summer pool, that for mainstream reservoirs annual flood-frequency elevations replace the summer pool elevation, and that site approval by the local health department is a prerequisite to TVA approval (Note 14). Permit requirements, fees and forms change. Confirm with TVA’s Public Lands Information Center (the name on TVA’s permit page), (800) 882-5263 or plic@tva.gov (Note 11). ## What should you check before buying on Fort Loudoun Lake? | Check | Why it matters here | Source | |----------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------| | Which county and which town | TVA’s land plan names three counties, and the lake name does not tell you which one a parcel is in. The parcel’s county, any town or city limits and the zoning body come from the parcel record. Blount County’s Development Services page does not say which jurisdictions it serves, so ask the office | Notes 2, 25 | | Does the lot touch TVA land or only a TVA right? | TVA separates TVA-owned land (zones 2 through 7) from Zone 1, non-TVA shoreland with TVA land rights. TVA offers a GIS Viewer Map for individual parcels and land use allocations, and notes its descriptions may be shortened. Ask a surveyor and TVA to confirm what lies between the lot line and the water | Notes 2, 7 | | Flowage easement | Ask the title company and surveyor whether the deed or a recorded TVA easement gives TVA the right to flood part of the lot. TVA treats any structure built on flowage easement land as an obstruction needing Section 26a approval | Notes 8, 9, 10 | | Section 26a permit for every dock, boathouse, seawall or ramp | Ask for the TVA permit for each existing structure and be sure the plans in the permit match what is built, as TVA’s buying-or-selling page advises. TVA says covered or enclosed second stories on docks generally must be removed, and that if you identify unauthorized modifications or construction you should apply to TVA, which will say whether they can be approved or whether modification or removal is required. Ask TVA to confirm what is approved before closing | Notes 9, 11, 12 | | What happens to a permit at sale | TVA’s page says the new owner is required to apply within 60 days of closing, and the regulation requires notice to TVA within 60 days. Ask TVA to describe the steps for this parcel; its permit page lists the reissue fee | Notes 9, 11, 12 | | Planned work: new dock, repairs, vegetation, shoreline stabilization | New construction needs TVA approval before it starts, and TVA says a complete application takes about two months. TVA’s stabilization page names its Public Land Information Center as the source for shoreline actions and issues | Notes 11, 15 | | Shoreline built before November 1, 1999 | TVA considers waivers for shorelines developed before that date if the proposal is compatible with surrounding permitted structures and uses. Ask TVA whether any waiver applies to the parcel | Note 13 | | Water level and depth at the dock | Fort Loudoun is a main-river reservoir that TVA lowers from November 1 and keeps lower until late April or early May. TVA’s dam page gives a minimum winter elevation of 807 feet and a typical summer operating elevation of 812 to 813 feet, and TWRA says 813 to 807 feet; TVA’s drawdown and lake-levels pages give no elevations. Ask TVA for the current operating levels, and ask how they bear on the dock, ramp and any boat access at the lot. TVA predicts levels daily on its lake-levels page, and warns that release schedules can change without notice | Notes 1, 4, 5, 6 | | Flood zone and elevation | Look up the address on FEMA’s Flood Map Service Center, ask for any elevation certificate, and ask the county floodplain office whether a Floodplain Development Permit applies. Knox County lists FEMA floodplain layers in its KGIS maps and its floodplain office is at 205 West Baxter Avenue, Knoxville, (865) 215-5234. Loudon County links a Flood Damage Prevention Resolution. Blount County’s floodplain office was not confirmed for this guide | Notes 20, 23, 32 | | Septic and sewer | Ask for the septic system construction permit and service history. If the lot is on flowage easement, ask whether TVA’s 50-foot setback from normal summer pool and 2-foot vertical separation were met. TDEC’s page directs applications to the Division of Water Resources; TVA’s page refers to local health department site approval, so ask which office handled the lot. Whether public sewer serves a given lot was not confirmed for this guide | Notes 14, 31 | | Zoning and building permits | Confirm which office handles zoning and building permits. Knox County Codes Administration: City County Building, Suite 547, 400 Main Street, Knoxville, (865) 215-2325. Knoxville-Knox County Planning: Suite 403, same building, (865) 215-2500. Loudon County Planning: (865) 458-2055. Blount County Development Services: 1221 McArthur Road, Maryville, (865) 681-9301. Lenoir City: (865) 986-9876. Farragut Town Hall: 11408 Municipal Center Drive, (865) 966-7057 | Notes 18, 19, 23, 25, 29, 30 | | Property tax | Assessors value property for tax purposes. The Knox County Trustee’s site offers property tax payment services; Blount County’s assessor page says the Trustee collects taxes and that taxing bodies set the rates; Loudon County’s collecting office was not researched for this guide. Knox County Property Assessor: (865) 215-2360; Trustee: (865) 215-2305. Loudon County Assessor of Property: (865) 458-2059. Blount County Property Assessor: (865) 273-5850. Confirm the parcel’s assessment, tax and any town tax with the assessor and the collecting office | Notes 21, 22, 24, 28 | Checks for lakefront, waterfront and acreage on a TVA reservoir. Sourced where noted. This is a checklist, not legal advice. Confirm each item with TVA, the county or town, and your attorney. ## How does Fort Loudoun Lake compare with nearby places? | Community | Setting | How it differs | |------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | [Tellico Lake](https://abodeintlrealty.com/communities/tellico-lake-tennessee/) | TVA reservoir on the Little Tennessee River, in Loudon, Blount and Monroe Counties; dam completed in 1979 | TVA lists 15,560 acres of water surface, 357 miles of shoreline, 120,000 acre-feet of flood storage and 12,787.6 acres of TVA public land for Tellico, against 14,600 acres, 379 or 368 miles, 111,000 acre-feet and 1,513.3 acres for Fort Loudoun. Tellico’s counties include Monroe; Fort Loudoun’s include Knox. Section 26a applies to both. Tellico Dam makes no electricity and sends its flow through the canal to Fort Loudoun (Notes 1, 2, 33, 34, 35) | | [Lenoir City](https://abodeintlrealty.com/communities/lenoir-city-tennessee/) | City that TVA gives as the address of Fort Loudoun Dam | A city has defined limits, a codes and planning office, a zoning ordinance and subdivision regulations. The lake has none of these. This guide did not confirm which Fort Loudoun shoreline parcels, if any, are inside Lenoir City (Notes 1, 29) | | [Farragut](https://abodeintlrealty.com/communities/farragut-tennessee/) | Town with its own Town Hall and permit portal | The pages reviewed do not mention the lake. A parcel’s town or county, not the lake name, decides which office issues permits (Note 30) | | [Knoxville](https://abodeintlrealty.com/communities/knoxville-tennessee/) | City where TVA says the reservoir is located; TVA’s shoreline-stabilization page lists a TVA address at 400 West Summit Hill Drive, Knoxville | Knoxville-Knox County Planning and Knox County Codes Administration share the City-County Building at 400 Main Street. TVA, not those offices, approves docks and other shoreline structures (Notes 1, 15, 18, 19) | How Fort Loudoun Lake differs from Tellico Lake and nearby places in who sets the rules. Sourced where noted. ## How does ABODE help on Fort Loudoun Lake? On a TVA reservoir the due diligence is the shoreline: land rights, flowage easements, dock permits, septic and flood. ABODE International Realty’s Knoxville office is at 810 Clinch Ave, Knoxville, TN 37902, by appointment. We help you sort out which county, town and TVA records apply to a Fort Loudoun Lake parcel before you rely on it. The guide is written for buyers and sellers of higher-value property, and conversations are private. [Talk about buying](#contact)   [Talk about selling](#contact) ## Which related guides should you read next? ### [Tellico Lake](https://abodeintlrealty.com/communities/tellico-lake-tennessee/) TVA Section 26a dock permits, flowage easements, county jurisdiction, septic and flood checks ### [Lenoir City](https://abodeintlrealty.com/communities/lenoir-city-tennessee/) City zoning and permits, LCUB utilities, county property tax, flood and TVA lake checks. ### [Farragut](https://abodeintlrealty.com/communities/farragut-tennessee/) A Knox County town: town government, county tax, flood checks and TVA lake rules ### [Knoxville](https://abodeintlrealty.com/communities/knoxville-tennessee/) City versus county rules, floodplain and TVA checks, and the property tax authorities ### [Tennessee acreage due diligence](https://abodeintlrealty.com/guides/tennessee-acreage-due-diligence/) Who controls septic, access, zoning, Greenbelt, flood and TVA items on Tennessee acreage ## Fort Loudoun Lake real estate: frequently asked questions What is Fort Loudoun Lake, and is it a town? Fort Loudoun Lake is Fort Loudoun Reservoir, a Tennessee Valley Authority reservoir on the Tennessee River. TVA’s land plan places it in Blount, Knox and Loudon Counties (Note 2). It is not a town or city, so the county or town where a parcel lies sets zoning and building rules, and TVA approves shoreline structures. Who permits a dock or boathouse on Fort Loudoun Lake? TVA does, under Section 26a. The regulation says TVA’s approval must be obtained prior to the construction, operation or maintenance of covered structures, including boat docks, piers and boathouses (Note 9). TVA says to get a permit before any shoreline construction begins and lists (800) 882-5263 and plic@tva.gov as the contact (Note 11). The county or town may have its own requirements too. What is a TVA flowage easement? TVA defines flowage easement shoreland as privately owned property where TVA has the right to flood the land (Note 10). TVA’s regulations treat any structure built on flowage easement land as an obstruction needing Section 26a approval (Note 9). Whether a lot has one comes from the title, survey and TVA records. Does Fort Loudoun Lake have a winter drawdown? TVA’s drawdown page says main-river reservoirs are lowered in a staggered way from July through the end of the year, that the drawdown begins November 1 on Fort Loudoun and Watts Bar, and that these reservoirs are kept lower until late April or early May (Note 5). TVA’s dam page gives a minimum winter elevation of 807 feet and a typical summer operating elevation of 812 to 813 feet (Note 1), and TWRA says levels fluctuate between 813 and 807 feet above sea level (Note 6). Ask TVA what levels matter to a specific dock. Does a dock permit transfer when a lake home sells? The regulation says the new owner shall notify TVA within 60 days, and TVA’s buying-or-selling page says permits do not carry over automatically and the new owner is required to apply for a Section 26a permit within 60 days of closing (Notes 9, 12). A TVA permit conveys no property interest (Note 9). Ask TVA about the specific dock before closing. Which county or office handles zoning and septic at Fort Loudoun Lake? It depends on the parcel. Knox County Codes Administration handles building permits and zoning enforcement (Note 19); Loudon County Planning and Codes serves Loudon County, the City of Loudon, Greenback and Philadelphia (Note 23); Blount County’s Building Commissioner issues building permits (Note 26); Lenoir City has its own planning office (Note 29). Septic construction permit applications go to TDEC’s Division of Water Resources (Note 31). Is lakefront property on Fort Loudoun Lake in a flood zone? It depends on the address. FEMA’s Flood Map Service Center returns the flood map for an address (Note 32). Knox County says work in the mapped floodplain generally needs a Floodplain Development Permit (Note 20), and Loudon County links a Flood Damage Prevention Resolution (Note 23). Ask for any elevation certificate, and ask TVA about levels relevant to the lot (Note 5). ## Sources and notes 1. [TVA: Fort Loudoun (hydroelectric)](https://www.tva.com/energy/our-power-system/hydroelectric/fort-loudoun). Source for the dam’s 1940 start and 1943 completion, dam dimensions, Lenoir City address, 14,600 acres, 379 miles of shoreline, 111,000 acre-feet of flood storage, 151 megawatts, the lock, the canal to Tellico, the 807-foot minimum winter elevation and the 812-to-813-foot typical summer elevation. The page does not name a county. Checked October 10, 2026. 2. [TVA: Fort Loudoun Reservoir Land Management Plan](https://www.tva.com/environment/environmental-stewardship/land-management/reservoir-land-management-plans/fort-loudoun-reservoir-land-management-plan). Source for the three counties, 1,513.3 acres of TVA public land, 368 miles of shoreline, the zone acreages, the Zone 1 footnote, the August 23, 2017 approval and the GIS Viewer Map. The page does not mention Section 26a or flowage easements. Checked October 10, 2026. 3. [TVA: Fort Loudoun Reservoir (lake information page)](https://lakeinfo.tva.com/web/sites/fortloudoun.htm). Source for the reservoir’s place in the nine-reservoir chain, the canal to Tellico and the half-million-ton barge cargo statement. The page gave no counties, dates, elevations, shoreline miles or acreage. Checked October 10, 2026. 4. [TVA: Fort Loudoun lake levels](https://www.tva.com/environment/lake-levels/fort-loudoun). The reviewed text held no Fort Loudoun-specific pool figures; used only for the daily update timing and the warning that release schedules can change without notice. Checked October 10, 2026. 5. [TVA: Understanding the drawdown](https://tva.com/environment/managing-the-river/flood-management/understanding-the-drawdown). Source for the November 1 drawdown start on Fort Loudoun and Watts Bar, the staggered main-river drawdown, the late April or early May refill, the January 1 winter flood-guide statement and TVA’s terms “winter flood-guide levels” and “summer levels.” The page gives no numeric elevations and does not mention Tellico. Checked October 10, 2026. 6. [TWRA: Fort Loudoun Reservoir](https://www.tn.gov/twra/fishing/where-to-fish/east-tennessee-r4/fort-loudoun-reservoir.html). Tennessee Wildlife Resources Agency page, used for the 55-mile length, the 813-to-807-foot fluctuation, 14,600 acres and a 360-mile shoreline figure. TWRA’s 813-to-807 range is consistent with the elevations on TVA’s dam page (Note 1), but confirm operating levels with TVA. The page names no counties. Checked October 10, 2026. 7. [TVA: Reservoir Land Management Planning Zones](https://www.tva.com/Environment/Environmental-Stewardship/Land-Management/Reservoir-Land-Management-Planning-Zones). Source for the zone definitions, including Zone 1 (non-TVA shoreland) and Zone 7 (Shoreline Access). Checked October 10, 2026. 8. [TVA: Section 26a Regulations (18 CFR part 1304)](https://www.tva.com/environment/shoreline-construction-permits/section-26a-regulations). TVA’s page reproducing the regulation; the quoted fragments were confirmed against eCFR (Note 9). The page text was read in part (the final 11,445 characters were not read), so §1304.302 (vegetation on flowage easement shoreland) rests on this page. Confirm current text with TVA. Checked October 10, 2026. 9. [eCFR: 18 CFR part 1304](https://www.ecfr.gov/current/title-18/chapter-XIII/part-1304). Federal regulation text for §1304.1 (Section 26a approval and the list of covered structures), §1304.2 (permit conveys no property interest; interest in the land for facilities on TVA land or private land), §1304.10 (change of ownership), §1304.203 (vegetation on TVA-owned residential access shoreland) and §1304.300 (flowage easement structures). §§1304.3 and 1304.4 (delegation of authority; application review) were also read but are not quoted here. The tool read the part page in two passes and eCFR is not the official CFR; check the published CFR for authoritative text. Checked October 10, 2026. 10. [TVA: Section 26a definitions](https://www.tva.com/environment/shoreline-construction-permits/26a-definitions). Source for the definitions of flowage easement shoreland, shoreland, maximum shoreline contour and TVA property. Checked October 10, 2026. 11. [TVA: Shoreline construction permits](https://www.tva.com/Environment/Shoreline-Construction). Source for the permit-before-construction statement, how to apply, the two-month processing time, the reissue fee for a new owner (usually \$250 per the page) and the (800) 882-5263 and plic@tva.gov contact, which the page calls the Public Lands Information Center. The page does not mention flowage easements. Checked October 10, 2026. 12. [TVA: Buying or Selling Waterfront Property](https://www.tva.com/environment/shoreline-construction-permits/buying-or-selling-waterfront-property). Source for the statements that permits do not carry over automatically, that the new owner is required to apply within 60 days of closing, the advice to check the permit against what is built, the second-story dock statement, the advice to apply to TVA for unauthorized work and the vegetation statement. The page does not use the term “flowage easement.” Checked October 10, 2026. 13. [TVA: Shoreline Management Policy (SMP) waivers](https://www.tva.com/environment/shoreline-construction-permits/section-26a-guidance/shoreline-management-policy-(smp)-waiver-guidance). Source for the 1999 Shoreline Management Policy, the 2003 addition to the regulations and the November 1, 1999 waiver date. The page does not name reservoirs. Checked October 10, 2026. 14. [TVA: Septic systems (Section 26a guidance)](https://www.tva.com/environment/shoreline-construction-permits/section-26a-guidance/septic-systems). Source for the 50-foot setback and 2-foot vertical separation on flowage easement property, the mainstream-reservoir elevation statement and the local health department prerequisite. The page does not mention TDEC by name. Checked October 10, 2026. 15. [TVA: Shoreline stabilization](https://www.tva.com/environment/environmental-stewardship/land-management/shoreline-stabilization). Names the Public Land Information Center as the source for shoreline actions and issues, and gives a TVA address at 400 West Summit Hill Drive, Knoxville, TN 37902 and a general line, (865) 632-2101. Checked October 10, 2026. 16. [Fort Loudoun Lake (Wikipedia)](https://en.wikipedia.org/wiki/Fort_Loudoun_Lake). Secondary source, used only to show where its counties, about 50-mile length and 13,769 acres differ from or match TVA and TWRA. Not used as the sole support for any legal or regulatory claim. Checked October 10, 2026. 17. [Fort Loudoun Dam (Wikipedia)](https://en.wikipedia.org/wiki/Fort_Loudoun_Dam). Secondary source, used only for the dam’s placement in Loudon County and the lock description. Not used as the sole support for any legal or regulatory claim. Checked October 10, 2026. 18. [Knoxville-Knox County Planning](https://www.knoxplanning.org/). Source for the agency’s listed work areas (including plat review, planning commission and ordinance amendments), address and phone. The page does not name the jurisdictions served. Checked October 10, 2026. 19. [Knox County Codes Administration](https://www.knoxcounty.org/codes/index.php). Source for building permits, plan review, inspections and zoning enforcement, address and phone. The page does not mention floodplain or septic services. Checked October 10, 2026. 20. [Knox County Floodplain Program](https://www.knoxcounty.org/stormwater/floodplain.php). Source for the Floodplain Development Permit statement, KGIS floodplain layers, the elevation statement and the floodplain office contact. Checked October 10, 2026. 21. [Knox County Property Assessor](https://property.knoxcounty.org/). Source for the assessor’s address and phone. The page distinguishes assessing from taxing but does not say who sets the rate. Checked October 10, 2026. 22. [Knox County Trustee](https://trustee.knoxcounty.org/). Source for the Trustee’s property tax lookup and payment services, address and phone. The page does not spell out who sets the rate. Checked October 10, 2026. 23. [Loudon County Planning and Codes: planning](https://planningandcodes.loudoncounty-tn.gov/planning.php). Source for the jurisdictions served, the two planning commissions, the Flood Damage Prevention Resolution link and the planning phone number. The county’s zoning resolution is shown as under amendment, so call the Planning Office for the official version. Checked October 10, 2026. 24. [Loudon County Assessor of Property](https://www.loudoncounty-tn.gov/government/PropertyAssessor.php). Source for the assessor’s role, address and phone. The page does not say who sets the tax rate. Checked October 10, 2026. 25. [Blount County: Development Services](https://blounttn.gov/296/Development-Services). Source for construction permit applications, codes enforcement, address and phone. The page does not say whether the department covers unincorporated Blount County, the cities, or both, and does not mention septic services. Checked October 10, 2026. 26. [Blount County: Building Commissioner](https://blounttn.gov/914/Building-Commissioner). Source for zoning enforcement and building permits. The page lists no phone number and does not mention a floodplain administrator. Checked October 10, 2026. 27. [Blount County Planning Department: general information](https://www.blounttn.gov/DocumentCenter/View/18889/Planning-Department---General-Information-and-List-of-Staff). Source for the planning department’s functions, which include plat review and staffing the Planning Commission. The document does not define the zoning jurisdiction. Checked October 10, 2026. 28. [Blount County Property Assessor](https://www.blounttn.gov/317/Property-Assessor). Source for the assessor’s role, address and phone, and for the statement that taxing bodies set tax rates and the Trustee collects the taxes. Checked October 10, 2026. 29. [City of Lenoir City: codes enforcement and planning](https://www.lenoircitytn.gov/codes-enforcement-planning/). Source for the city’s zoning ordinance and subdivision regulations and its planning and permit contact. The page does not mention Fort Loudoun Lake or floodplain. Checked October 10, 2026. 30. [Town of Farragut](https://www.townoffarragut.org/). Source for Town Hall’s address and phone and the Planning & Codes and permit portal links. The page does not mention Fort Loudoun Lake. Checked October 10, 2026. 31. [TDEC: Septic System Construction Permit](https://www.tn.gov/environment/permits/water/septic-systems-permits/ssp/permit-water-septic-system-construction-permit.html). Source for the permit requirement, repair of faulty systems and applications going to the Division of Water Resources at the appropriate Environmental Field Office. Checked October 10, 2026. 32. [FEMA Flood Map Service Center](https://msc.fema.gov/portal/search). Search an address for its flood map, FIRMette and map panel. Flood status is parcel specific. Checked October 10, 2026. 33. [TVA: Tellico (hydroelectric)](https://www.tva.com/energy/our-power-system/hydroelectric/tellico). Source for Tellico’s 1979 completion, 33-mile length, 357 miles of shoreline, 15,560 acres of water surface, 120,000 acre-feet of flood storage and the canal into Fort Loudoun. The page names no counties. Checked October 10, 2026. 34. [TVA: Tellico Reservoir Land Management Plan](https://www.tva.com/environment/environmental-stewardship/land-management/reservoir-land-management-plans/tellico-reservoir-land-management-plan). Source for Tellico’s counties (Loudon, Blount and Monroe), 12,787.6 acres of TVA public land and 357 miles of shoreline. Checked October 10, 2026. 35. [TVA: Telling the Story of Tellico, It’s Complicated](https://www.tva.com/about-tva/our-history/built-for-the-people/telling-the-story-of-tellico-it-s-complicated). Source for the canal into Fort Loudoun, the 23 megawatts added at Fort Loudoun Dam and the November 29, 1979 gate closure. Checked October 10, 2026. 36. [TVA: How TVA Manages Water Levels](https://www.tva.com/environment/lake-levels/how-tva-manages-water-levels). Source for the statement that between June 1 and Labor Day TVA works to fill reservoirs for recreational use. The page does not mention Fort Loudoun or Tellico, and it does not say which reservoirs the statement covers. Checked October 10, 2026.