1004 N Spring St, Sparta, TN 38583 Property Records

White County property record for 1004 N Spring St, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,500 sqft · built 2024
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$424,900 (Jun 2026)
Tax Bill	$1,289 (2025)
Deeds & Mortgages	May 2024 Construction Loan Aug 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`093041 00215`

Property Details

APN / Parcel Number

Primary APN	`093041 00215`
Alternative APN	`041 00215`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,640 sqft (0.91 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1004 N SPRING ST
City	SPARTA
State	TN
Zip	38583-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CUMBERLAND VIEW ESTATES
Legal Lot Number	20
Jurisdiction	WHITE TN
Township / Civil Division	7
Census Block Group	3
Census Block	3004
Census Tract	935300

Owner

Source: White County records, as of June 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF TENNESSEE
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit ONE BANK OF TENNESSEE
Jun 12, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Jun 12, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Feb 18, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 16, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Deed Document Number	20262700
Deed Book / Page	603 / 702
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	180 REX LN, SPARTA, TN 38583-3339

Mortgage

Document Number	0RB551/365
Date	May 7, 2024
Book Page	RB551/365
Instrument	24001550

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 10, 2025

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB579/522
Date	Aug 1, 2025
Book Page	RB579/522
Instrument	25002843

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 12, 2026
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Document Number	0000002700
Book / Page	603 / 702
Instrument Date	Jun 4, 2026
Instrument	20262700
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ENCORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$158,785.13
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 N SPRING ST, SPARTA, TN 38583-1134

Mortgage

Document Number	0000002701,
Date	Jun 12, 2026
Instrument	20262701

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 12, 2026
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Document Number	0RB603/702
Book / Page	603 / 702
Instrument Date	Jun 4, 2026
Instrument	20262700
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	ENCORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$158,785.13
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 N SPRING ST, SPARTA, TN 38583-1134

Mortgage

Document Number	0000002701,
Date	Jun 12, 2026
Instrument	20262701

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Feb 18, 2025
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Document Number	0RB568/851
Book / Page	RB568 / 851
Map Reference	MB 2 PG 122
Instrument Date	Feb 14, 2025
Instrument	25000568
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1004 N SPRING ST, SPARTA, TN 38583-1134

Mortgage

Document Number	0025000569
Date	Feb 18, 2025
Instrument	25000569

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 16, 2023
Property Address	1004 N SPRING ST, SPARTA, TN 38583-1134
Document Number	0RB533/376
Book / Page	RB533 / 376
Map Reference	MB 2 PG 122
Instrument Date	Jun 16, 2023
Instrument	23002334
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$111.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 REX LN, SPARTA, TN 38583-3339

Tax Assessment & Valuation

Source: White County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,289.00	$91,450 (+1,593.52%) Land $11,575 Building $79,875	$365,800 (+1,593.52%) Land $46,300 Building $319,500
2023		$5,400 (-) Land $5,400
2022		$5,400 Land $5,400	$21,600 (-) Land $21,600
2020			$21,600 Land $21,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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 Claims	2 (2015–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2017 · rainfall accumulation

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	0.01% 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	O'CONNOR UTILITY DISTRICT serves 10,344 people · EPA ID TN0000526
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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