1685 Gulf Rd, Spencer, TN 38585 Property Records

Van Buren County property record for 1685 Gulf Rd, Spencer, TN 38585

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,144 sqft · built 1983
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jul 2021)
Tax Bill	$401 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`088048 03000`

Property Details

APN / Parcel Number

Primary APN	`088048 03000`
Alternative APN	`048 03000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	135 ft deep x 293 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	118 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1685 GULF RD
City	SPENCER
State	TN
Zip	38585-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: R04
Jurisdiction	VAN BUREN TN
Township / Civil Division	3
Census Block Group	2
Census Block	2046
Census Tract	925000

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	1685 GULF RD, SPENCER, TN 38585-4216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 29, 2021	Intrafamily Transfer, Transfer
Jul 27, 2021	Warranty Deed, Transfer · FHA Mortgage GREAT WESTERN FINANCIAL SERVICES IN
Jul 21, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Prior Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	20211066
Deed Book / Page	112 / 952
Transfer Doc	0027000097
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN TN
Property Address	1685 GULF RD, SPENCER, TN 38585-4216
Transaction Type	Mortgage
Record Updated	Jun 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GULF RD, SPENCER, TN 38585-4216

Mortgage

Document Number	0RB118/750
Date	May 20, 2022
Book Page	RB118/750
Instrument	22000740

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Aug 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VAN BUREN TN
Recording Date	Nov 29, 2021
Property Address	1685 GULF RD, SPENCER, TN 38585-4216
Document Number	RB115/152
Book / Page	RB115 / 152
Instrument Date	Aug 2, 2021
Instrument	21001614
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GULF RD, SPENCER, TN 38585-4216

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Jul 27, 2021
Property Address	1685 GULF RD, SPENCER, TN 38585-4216
Document Number	RB112/952
Book / Page	RB112 / 952
Instrument Date	Jul 23, 2021
Instrument	21001066
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 GULF RD, SPENCER, TN 38585-4216

Mortgage

Document Number	21001067
Date	Jul 27, 2021
Instrument	21001067

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Jul 21, 2020
Property Address	1685 GULF RD, SPENCER, TN 38585-4216
Document Number	RB105/959
Book / Page	RB105 / 959
Instrument Date	Jul 7, 2020
Instrument	20000721
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1685 GULF RD, 1685, SPENCER, TN 38585-4216

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$401.00	$16,725 (-) Land $1,925 Building $14,800
2024	$401.00 (+1.78%)	$16,725 (-) Land $1,925 Building $14,800
2023	$394.00	$16,725 (+1.83%) Land $1,925 Building $14,800
2022	$394.00	$16,425 Land $1,925 Building $14,500	$65,700 (-1.79%) Land $7,700 Building $58,000
2021			$66,900 Land $7,700 Building $59,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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	1 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Oct 2021 · river or lake flooding

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 62% of the US · above 84% of Tennessee
Wildfire Likelihood	0.2% 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	FALL CREEK FALLS U.D. serves 5,434 people · EPA ID TN0000552
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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