15 Spring St, Spencer, TN 38585 Property Records

Van Buren County property record for 15 Spring St, Spencer, TN 38585

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,910 sqft · built 1907
Lot Size	0.264 acres (11,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2025)
Tax Bill	$824 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`088030B A 02000`

Property Details

APN / Parcel Number

Primary APN	`088030B A 02000`
Alternative APN	`030B A 02000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,910 sqft Living Area
1st Floor Area	1,230 sqft
Upper Floors Area	680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1970
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,539 sqft (0.264 acres)
Porch	Slab
Porch Area	410 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 SPRING ST
City	SPENCER
State	TN
Zip	38585-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01 GSI 2000 1-30G-6.00, COUNTY AREA: S10
Legal Subdivision	SHOCKLEY HOUSE INN
Jurisdiction	VAN BUREN TN
Township / Civil Division	1
Census Block Group	2
Census Block	2038
Census Tract	925200

Owner

Source: Van Buren 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	2 Individual Names on Record
Mailing Address	46 HARLEY DAVIDSON LN, SPENCER, TN 38585-3485
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Warranty Deed, Transfer HOMELAND COMMUNITY BANK
Sep 24, 2025	Intrafamily Transfer, Transfer · Commercial Mortgage CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Jan 1, 1985 · Amount on Record
Deed Document Number	20251429
Deed Book / Page	143 / 707
Prior Transfer Date	Sep 23, 2025
Prior Transfer Doc	0RB143/182
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Oct 14, 2025
Property Address	15 SPRING ST, SPENCER, TN 38585-3000
Document Number	0RB143/707
Book / Page	RB143 / 707
Instrument Date	Oct 10, 2025
Instrument	25001429
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HARLEY DAVIDSON LN, SPENCER, TN 38585-3485

Mortgage

Document Number	0025001430
Date	Oct 14, 2025
Instrument	25001430

Lender

Name	HOMELAND COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VAN BUREN TN
Recording Date	Sep 24, 2025
Property Address	15 SPRING ST, SPENCER, TN 38585-3000
Document Number	0RB143/182
Book / Page	RB143 / 182
Instrument Date	Sep 23, 2025
Instrument	25001293
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 188, SPENCER, TN 38585-0188

Mortgage

Document Number	0RB143/186
Date	Sep 24, 2025
Book Page	RB143/186
Instrument	25001294

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	489 SPRING ST, SPENCER, TN 38585

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	225 Months
Due	Jun 27, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Van Buren County
Municipality	Spencer City
Unified School District	Van Buren County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$824.00	$34,325 (-) Land $2,875 Building $31,450
2024	$824.00	$34,325 (-) Land $2,875 Building $31,450
2023	$824.00	$34,325 (-) Land $2,875 Building $31,450
2022	$824.00	$34,325 Land $2,875 Building $31,450	$137,300 (-) Land $11,500 Building $125,800
2021			$137,300 Land $11,500 Building $125,800

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 April 19, 2010 · 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 (2013–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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	0.07% 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	WARREN COUNTY U.D. #2 serves 5,611 people · EPA ID TN0000655
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	No certified operator Sep 2018 Coliform assessment Sep 2018 Organic carbon removal Jul 2018
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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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