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174 Eck Bray Rd, Sparta, TN 38583 Property Records

White County property record for 174 Eck Bray Rd, Sparta, TN 38583

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,300 sqft · built 2001
Lot Size0.66 acres (28,750 sqft)
Owner2 Individual Names on File
Last Sale$3,766 (Feb 2000)
Tax Bill$696 (2025)
Deeds & MortgagesJun 2023 Mortgage
Feb 2022 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN093014 05303

Property Details

APN / Parcel Number

Primary APN093014 05303
Alternative APN
  • 014 05303

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,300 sqft Living Area
1st Floor Area1,300 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2006
Exterior MaterialSiding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area28,750 sqft (0.66 acres)
TerrainRolling

Exterior Amenities

PorchOpen Porch
Porch Area400 sqft
Deck Area80 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address174 ECK BRAY RD
CitySPARTA
StateTN
Zip38583-6628
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 4
JurisdictionWHITE TN
Township / Civil Division7
Census Block Group2
Census Block2048
Census Tract935100

Owner

Source: White County records · APN 093014 05303

Assessment roll updated May 20, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address174 ECK BRAY RD, SPARTA, TN 38583-6628
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2023Deed of Trust, Mortgage · Closed-End Mortgage
US BANK NA
Feb 09, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Mar 01, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Mar 29, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIRST NATIONAL BANK OF TENNESSEE
Oct 29, 2018Deed of Trust, Mortgage
FIRST NATIONAL BANK OF TENNESSEE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 29, 2000 · Amount on Record
Deed SaleFeb 29, 2000 · Amount on Record
Deed Document Number0000071369
Record UpdatedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHITE TN
Property Address174 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction TypeMortgage
Record UpdatedAug 09, 2023
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address174 ECK BRAY RD, SPARTA, TN 38583-6628

Mortgage

Document Number0RB534/257
DateJun 29, 2023
Book PageRB534/257
Instrument23002520
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeClosed-End Mortgage
AmountAmount Recorded
Term179 Months
DueMay 11, 2038

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHITE TN
Property Address174 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction TypeMortgage
Record UpdatedFeb 23, 2022
Title CompanyPUNCTUAL ABSTRACT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0RB501/804
DateFeb 09, 2022
Book PageRB501/804
Instrument22000644
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term348 Months
DueFeb 01, 2051

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHITE TN
Property Address174 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction TypeMortgage
Record UpdatedMar 11, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000919
DateMar 01, 2021
Book PageRB475/442
Instrument21000919
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term236 Months
DueNov 01, 2040

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHITE TN
Property Address174 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001038
DateMar 29, 2017
Book PageRB394/564
Instrument17001038
Lender
NameFIRST NATIONAL BANK OF TENNESSEE
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term84 Months
DueApr 01, 2024

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHITE TN
Property Address174 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003688
DateOct 29, 2018
Book PageRB424/198
Instrument18003688
Lender
NameFIRST NATIONAL BANK OF TENNESSEE
AddressSPARTA, TN 38583
Agreement
AmountAmount Recorded
Term86 Months
DueDec 01, 2025

Tax Assessment & Valuation

Source: White County records · Assessment roll updated May 20, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateTennessee
CountyWhite County
Unified School DistrictWhite County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$696.00 (+26.32%)$49,375 (+83.55%) Land $3,100 Building $46,275$197,500 (+83.55%) Land $12,400 Building $185,100
2023$26,900 Land $2,400 Building $24,500
2021$551.00
2020$107,600 Land $9,600 Building $98,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 28, 2007 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Ben Lomand Rural Telephone Coop.
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 47 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemO'CONNOR UTILITY DISTRICT
serves 10,344 people
Water SourcePurchased surface water from several systems
Last State InspectionNov 2024
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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