11 S Spring St, Sparta, TN 38583 Property Records

White County property record for 11 S Spring St, Sparta, TN 38583

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1.5 ba · 2,450 sqft · built 1977
Lot Size	0.175 acres (7,630 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Oct 2019)
Tax Bill	$1,085 (2021)
Deeds & Mortgages	Nov 2019 Line of Credit Nov 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093049P F 03500`

Property Details

APN / Parcel Number

Primary APN	`093049P F 03500`
Alternative APN	`049P F 03500`

Interior

Full Baths	1.5 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,450 sqft Total Area
1st Floor Area	2,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	7,630 sqft (0.175 acres)
Lot Dimensions	109 ft deep x 70 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 S SPRING ST
City	SPARTA
State	TN
Zip	38583-1824
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C-D
Legal Description	DISTRICT: 1
Legal Block	10S
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2025
Census Tract	935300

Owner

11 S Spring St, a commercial property, is owned by two individuals who bought it in October 2019.

Source: White County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	531 LOST CREEK RD, SPARTA, TN 38583-2545
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF PUTNAM COUNTY
Nov 4, 2020	Loan Modification, Mortgage ONE BK/TENNESSEE
Nov 4, 2020	Loan Modification, Mortgage ONE BK/TENNESSEE
Oct 1, 2019	Warranty Deed, Transfer · Commercial Mortgage BANK OF PUTNAM COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2019 · Amount on File
Deed Sale	Oct 1, 2019 · Amount on File
Prior Sale	Jun 19, 2009 · Amount on File
Deed Document Number	19003571
Deed Book / Page	RB441 / 813
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	11 S SPRING ST, SPARTA, TN 38583-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004288
Date	Nov 21, 2019
Book Page	RB445/229
Instrument	19004288

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITE TN
Property Address	11 S SPRING ST, SPARTA, TN 38583-1824
Document Number	0000004909
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004909
Date	Nov 24, 2020
Book Page	000469/000270
Instrument	4909

Lender

Name	ONE BK/TENNESSEE
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount on Record
Term	720 Months
Due	Nov 23, 2080

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHITE TN
Property Address	11 S SPRING ST, SPARTA, TN 38583-1824
Document Number	0000004908
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004908
Date	Nov 24, 2020
Book Page	000469/000268
Instrument	4908

Lender

Name	ONE BK/TENNESSEE
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Oct 1, 2019
Property Address	11 S SPRING ST, SPARTA, TN 38583-1824
Document Number	0RB441/813
Book / Page	RB441 / 813
Instrument Date	Sep 20, 2019
Instrument	19003571
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	POINTER TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 LOST CREEK RD, SPARTA, TN 38583-2545

Mortgage

Document Number	0019003572
Date	Oct 1, 2019
Instrument	19003572

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$40,160 Land $20,000 Building $20,160	$100,400 Land $50,000 Building $50,400
2023		$36,560 Land $20,000 Building $16,560
2021	$1,085.00
2020			$91,400 Land $50,000 Building $41,400

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

FEMA maps place 11 S Spring St in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 11 S Spring St is low, with a 0.01% annual chance of 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	None beyond ember reach

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	SPARTA WATER SYSTEM serves 10,899 people · EPA ID TN0000652
Water Source	Surface water
Last State Inspection	Mar 2025
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 191 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Spring St

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