139 Spruce Ln, Dover, TN 37058 Property Records

Stewart County property record for 139 Spruce Ln, Dover, TN 37058

Property Summary

Property Type	Rural Home
Details	1 ba · 773 sqft · built 2018
Lot Size	112 acres (4,896,144 sqft)
Owner	2 Individual Names on File
Last Sale	$173,550 (Sep 2008)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081055 02207`

Property Details

APN / Parcel Number

Primary APN	`081055 02207`
Alternative APN	`055 02207`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	773 sqft Living Area
1st Floor Area	672 sqft
Upper Floors Area	336 sqft

Exterior

Year Built	Built 2018
Exterior Material	Siding
Roof Material	Metal
Lot Area	4,896,144 sqft (112 acres)
Terrain	Rolling
Garage Type	Detached
Parking Spaces	5 Parking Spaces
Patio Area	200 sqft
Shed	1 Shed
Shed Area	640 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	139 SPRUCE LN
City	DOVER
State	TN
Zip	37058-6288
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 13, COUNTY AREA: R99
Jurisdiction	STEWART TN
Township / Civil Division	2
Census Block Group	3
Census Block	3020
Census Tract	110201

Owner

139 Spruce Ln, a rural home, is owned and occupied by two individuals who bought it in September 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 780, DOVER, TN 37058-0780
Occupancy	Owner Occupied
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
Jan 4, 2021	Deed of Trust, Mortgage · Commercial Mortgage F & M BANK
Feb 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage F&M BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2008 · Amount on File
Deed Sale	Sep 18, 2008 · Amount on File
Deed Document Number	0000115302
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	139 SPRUCE LN, DOVER, TN 37058-6288
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	247/534
Date	Jan 4, 2021
Book Page	247/534
Instrument	59919

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	23 Months
Due	Dec 28, 2022

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Property Address	139 SPRUCE LN, DOVER, TN 37058-6288
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 SPRUCE LN, DOVER, TN 37058-6288

Mortgage

Document Number	0000000233/0000000179
Date	Feb 18, 2020
Book Page	0000000233/0000000179
Instrument	57235

Lender

Name	F&M BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Due	Jan 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 139 Spruce Ln was $1,056 with an additional exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,056.00 Additional exemption filed	$71,050 (-) Land $21,950 Building $49,100
2024	$1,056.00 (+31.84%) Additional exemption filed	$71,050 (+40.21%) Land $21,950 Building $49,100
2023	$801.00 Additional exemption filed	$50,675 (+49.37%) Land $17,850 Building $32,825
2022	$801.00	$33,925 Land $17,850 Building $16,075	$135,700 (-76.58%) Land $71,400 Building $64,300
2021			$579,400 Land $383,000 Building $196,400

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 139 Spruce Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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	5 in force
Nearby Flood Claims	2 (2016–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2024 · 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

Wildfire risk around 139 Spruce Ln is low, with a 0.02% 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	0.02% 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	NORTH STEWART UTILITY DISTRICT serves 6,096 people · EPA ID TN0000195
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2022 Total trihalomethanes resolved · Apr 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumberland Connect Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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