White County property record for 120 Mitchell St, Sparta, TN 38583
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,253 sqft · built 1952 |
| Lot Size | 0.255 acres (11,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $168,000 (Aug 2020) |
| Tax Bill | $728 (2021) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 093059G A 01100 |
| Primary APN | 093059G A 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,253 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Upper Floors Area | 884 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,100 sqft (0.255 acres) |
| Lot Dimensions | 148 ft deep x 75 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 MITCHELL ST |
|---|---|
| City | SPARTA |
| State | TN |
| Zip | 38583-2266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | DISTRICT: 1 |
| Legal Subdivision | MITCHELL SIMS SUBD |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | WHITE TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 935400 |
Source: White County records, as of October 20, 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 | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Dec 7, 2023 | Deed of Trust, Mortgage · VA Mortgage SOFI BANK NA |
| Aug 28, 2020 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 26, 2020 | Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP |
| Jan 21, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on Record |
| Deed Sale | Aug 28, 2020 · Amount on Record |
| Prior Sale | Feb 26, 2020 · Amount on Record |
| Deed Document Number | 20203476 |
| Deed Book / Page | 463 / 98 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITE TN |
| Recording Date | Apr 10, 2026 |
| Property Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 0000001547 |
| Book / Page | 598 / 246 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20261547 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 0000001547, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 598/246 |
| Instrument | 20261547 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHITE TN |
| Property Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Title Company | NOT AVAILABLE, THE SILK COMPANIES |
| Name | Verified Name |
|---|
| Document Number | 0RB543/559 |
|---|---|
| Date | Dec 7, 2023 |
| Book Page | RB543/559 |
| Instrument | 23004668 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITE TN |
| Recording Date | Aug 28, 2020 |
| Property Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 00RB463/98 |
| Book / Page | RB463 / 98 |
| Map Reference | MB 103 PG 8 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 20003476 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $621.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 0020003477 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 20003477 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITE TN |
| Recording Date | Feb 26, 2020 |
| Property Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 0RB450/263 |
| Book / Page | RB450 / 263 |
| Map Reference | MB 103 PG 8 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 20000693 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 651, SPARTA, TN 38583-0651 |
| Document Number | 0020000694 |
|---|---|
| Date | Feb 26, 2020 |
| Instrument | 20000694 |
| Name | LENDINGHOME FUNDING CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHITE TN |
| Recording Date | Jan 21, 2020 |
| Property Address | 120 MITCHELL ST, SPARTA, TN 38583-2266 |
| Document Number | 0000000257 |
| Book / Page | 000448 / 000234 |
| Instrument Date | Jan 16, 2020 |
| Instrument | 257 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5288 FANCHERS MILL RD SPARTA TN 385836863, SPARTA, TN 38583-6863 |
Source: White County assessment roll, as of January 26, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | White County |
| Municipality | Sparta City |
| Unified School District | White County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44,375 (+80.75%) Land $5,000 Building $39,375 | $177,500 (+80.75%) Land $20,000 Building $157,500 | |
| 2023 | $24,550 Land $2,000 Building $22,550 | ||
| 2021 | $728.00 | ||
| 2020 | $98,200 Land $8,000 Building $90,200 |
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.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 300 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 |
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