10768 Spence Rd, Bon Aqua, TN 37025 Property Records

Hickman County property record for 10768 Spence Rd, Bon Aqua, TN 37025

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,504 sqft · built 2023
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Nov 2022)
Tax Bill	$1,068 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-009.02`

Property Details

APN / Parcel Number

Primary APN	`017-009.02`
Alternative APNs	`017 00902 00004017` `0401701700902` `041017 00902`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,996 sqft
Terrain	Rolling
Porch	Finished/Open Porch
Deck Area	168 sqft
Patio Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	10768 SPENCE RD
City	BON AQUA
State	TN
Zip	37025-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04 COUNTY AREA: B01
Jurisdiction	HICKMAN TN
Township / Civil Division	4
Census Block Group	2
Census Block	2008
Census Tract	950202

Owner

Source: Hickman County records, as of September 4, 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	4114 WATERFORD CIR, NASHVILLE, TN 37221-2150
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Apr 27, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRSTBANK
Nov 3, 2022	Warranty Deed, Transfer TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Prior Sale	Mar 31, 2008 · Amount on Record
Deed Document Number	20225998
Deed Book / Page	48 / 1725
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HICKMAN TN
Property Address	10768 SPENCE RD, BON AQUA, TN 37025-3150
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 WATERFORD CIR, NASHVILLE, TN 37221-2150

Mortgage

Document Number	0000004394
Date	Sep 11, 2023
Book Page	49/9509
Instrument	23004394

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HICKMAN TN
Property Address	10768 SPENCE RD, BON AQUA, TN 37025-3150
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7717 HUDLOW CT, FAIRVIEW, TN 37062-7332

Mortgage

Document Number	0000002349
Date	Apr 27, 2023
Book Page	49/1259
Instrument	23002349

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 24, 2024

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HICKMAN TN
Recording Date	Nov 3, 2022
Property Address	10768 SPENCE RD, BON AQUA, TN 37025-3150
Document Number	0000005998
Book / Page	48 / 1725
Instrument Date	Oct 28, 2022
Instrument	22005998
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Amount	Amount Recorded
Tax	$37.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 WATERFORD CIR, NASHVILLE, TN 37221-2150

Tax Assessment & Valuation

Source: Hickman County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$81,575 (+103.18%)	$326,300 (+103.18%) Land $25,000 Building $301,300
2025	$1,068.00 (-5.99%)	$40,150 (-)	$160,600 (-) Land $25,000 Building $135,600
2023	$1,136.00 (+545.45%)	$40,150 (+542.4%)	$160,600 (+542.4%) Land $25,000 Building $135,600
2022	$176.00	$6,250	$25,000 Land $25,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 23, 2024 · 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	1 in force

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	0.03% 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	BON AQUA-LYLES U.D. serves 12,952 people · EPA ID TN0000066
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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