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14 Jack Spence Rd, Rutherford, TN 38369 Property Records

Gibson County property record for 14 Jack Spence Rd, Rutherford, TN 38369

Property Summary

Property TypeMobile Home
Details2 ba · 1,860 sqft · built 2019
Lot Size2 acres (87,120 sqft)
Owner2 Individual Names on File
Last Sale$3,250 (Nov 2012)
Tax Bill$1,075 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Dec 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN027033 01000

Property Details

APN / Parcel Number

Primary APN027033 01000
Alternative APN
  • 033 01000

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,860 sqft Living Area
1st Floor Area1,860 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleMobile/Manufactured
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area87,120 sqft (2 acres)

Exterior Amenities

PorchPatio
Porch Area204 sqft
Deck Area18 sqft
Patio Area18 sqft
Shed1 Shed
Shed Area360 sqft
Utility Building160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address14 JACK SPENCE RD
CityRUTHERFORD
StateTN
Zip38369-3001
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionDISTRICT: 23, COUNTY AREA: R03
JurisdictionGIBSON TN
Township / Civil Division18
Census Block Group1
Census Block1059
Census Tract967400

Owner

14 Jack Spence Rd, a mobile home, is owned and occupied by two individuals who acquired it in June 2014.

Source: Gibson County records, as of June 4, 2026

Owner of Record2 Individual Names on File
Mailing Address14 JACK SPENCE RD, RUTHERFORD, TN 38369-3001
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Ux (and Wife)

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

DateDocument
May 27, 2026Deed of Trust, Mortgage · Line of Credit
PEOPLES CREDIT UNION
Dec 28, 2018Deed of Trust, Mortgage · Conventional Mortgage
21ST CENTURY MORTGAGE
Nov 26, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 29, 2012 · Amount on File
Deed SaleNov 29, 2012 · Amount on File
Prior SaleSep 30, 1955
Deed Document Number2012134593
Deed Book / Page971 / 861
Last Transfer DateJun 13, 2014
Transfer Doc0000147731
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGIBSON TN
Recording DateMay 27, 2026
Property Address14 JACK SPENCE RD, RUTHERFORD, TN 38369-3001
Document Number0000252136
Book / Page1133 / 943
Instrument DateMay 12, 2026
Instrument2026252136
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address14 JACK SPENCE RD, RUTHERFORD, TN 38369-3001

Mortgage

Document Number0000252136,
DateMay 27, 2026
Book Page1133/943
Instrument2026252136
Lender
NamePEOPLES CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Rate6.3%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGIBSON TN
Property Address14 JACK SPENCE RD, RUTHERFORD, TN 38369-3001
Transaction TypeMortgage
Record UpdatedMar 3, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address14 JACK SPENCE RD, TN

Mortgage

Document Number0000183238
DateDec 28, 2018
Book Page0000001031/0000001371
Instrument183238
Lender
Name21ST CENTURY MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term276 Months
DueJan 1, 2042

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGIBSON TN
Recording DateNov 26, 2018
Property Address14 JACK SPENCE RD, RUTHERFORD, TN 38369-3001
Document Number0000182553
Book / Page001030 / 001849
Instrument DateNov 14, 2018
Instrument182553
Transaction TypeTransfer
Record UpdatedDec 11, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address14 JACK SPENCE RD RUTHERFORD TN 38369, RUTHERFORD, TN 38369

Tax Assessment & Valuation

The 2025 property tax bill for 14 Jack Spence Rd was $1,075.

Source: Gibson County assessment roll, as of January 29, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyGibson County
Unified School DistrictGibson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,075.00$50,100 Land $4,500 Building $45,600
2024$200,400 Land $18,000 Building $182,400

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

Flood

FEMA maps place 14 Jack Spence Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 5, 2008

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 14 Jack Spence Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gibson Connect
Fiber		1,000 / 1,000
TEC
Fiber		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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