1098 Sable Rd, Spring City, TN 37381 Property Records

Rhea County property record for 1098 Sable Rd, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,920 sqft · built 1985
Lot Size	0.679 acres (29,611 sqft)
Owner	Individual Name on Record
Last Sale	$1,092,000 (Aug 2024)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072044P A 00400`

Property Details

APN / Parcel Number

Primary APN	`072044P A 00400`
Alternative APN	`044P A 00400`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,920 sqft Living Area
1st Floor Area	1,240 sqft
Upper Floors Area	840 sqft
Basement Area	840 sqft
Finished Basement	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,611 sqft
Lot Dimensions	290 ft deep x 102 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	456 sqft
Porch	Open Porch
Porch Area	760 sqft
Patio Area	1,178 sqft
Shed	1 Shed
Shed Area	56 sqft
Bath House	240 sqft
Boat Access	Boat Access
Boat House	434 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1098 SABLE RD
City	SPRING CITY
State	TN
Zip	37381-4822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: SABLE HILLS; BLOCK: 3
Legal Subdivision	SABLE HILLS
Legal Block	3
Legal Lot Number	4
Jurisdiction	RHEA TN
Township / Civil Division	3
Census Block Group	1
Census Block	1046
Census Tract	975100

Owner

Source: Rhea County records, as of January 26, 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	1098 SABLE RD, SPRING CITY, TN 37381-4822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Deed of Trust, Mortgage · Line of Credit SOUTHEAST BANK
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 23, 2020	Warranty Deed, Transfer · Conventional with PMI MORTGAGE INVTRS
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit CAPSTAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2024 · Amount on Record
Deed Sale	Aug 2, 2024 · Amount on Record
Prior Sale	Jan 23, 2020 · Amount on Record
Deed Document Number	24024487
Deed Book / Page	526 / 379
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	1098 SABLE RD, SPRING CITY, TN 37381-4822
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 SABLE RD, SPRING CITY, TN 37381-4822

Mortgage

Document Number	0000022480
Date	Mar 5, 2024
Book Page	T704/555
Instrument	24022480

Lender

Name	SOUTHEAST BANK
Type	Bank
Address	SPRING CITY, TN 37381

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	1098 SABLE RD, SPRING CITY, TN 37381-4822
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6682
Date	Mar 22, 2021
Book Page	T647/179
Instrument	21006682

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Jan 23, 2020
Property Address	1098 SABLE RD, SPRING CITY, TN 37381-4822
Document Number	0000000275
Book / Page	000480 / 000699
Instrument Date	Jan 16, 2020
Instrument	275
Transaction Type	Transfer
Record Updated	Feb 6, 2020
Title Company	CROSSLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,331.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1098 SABLE RD SPRING CITY TN 373814822, SPRING CITY, TN 37381-4822

Mortgage

Document Number	276
Date	Jan 23, 2020
Book Page	000621/000630
Instrument	276

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	1098 SABLE RD, SPRING CITY, TN 37381-4822
Document Number	0000012706
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 E WASHINGTON AVE ATHENS TN 373033649, ATHENS, TN 37303-3649

Mortgage

Document Number	0000012706
Date	Sep 6, 2019
Book Page	000615/000172
Instrument	12706

Lender

Name	CAPSTAR BK
Type	Bank
Address	NASHVILLE, TN 37230-5065

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,526.00 (-23.08%)	$187,300 (+28.62%) Land $41,250 Building $146,050
2024			$749,200 (+28.62%) Land $165,000 Building $584,200
2022		$145,625 Land $37,500 Building $108,125	$582,500 Land $150,000 Building $432,500
2021	$3,284.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 2 claims

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	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.08% 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	WATTS BAR UTILITY DISTRICT serves 16,253 people · EPA ID TN0000872
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	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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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