175 Spence Ln, Hilham, TN 38568 Property Records

Clay County property record for 175 Spence Ln, Hilham, TN 38568

Property Summary

Property Type	Rural Home
Details	2 ba · 979 sqft · built 2007
Lot Size	18.6 acres (813,265 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Mar 2016)
Tax Bill	$922 (2025)
Deeds & Mortgages	Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`014087 00320`

Property Details

APN / Parcel Number

Primary APN	`014087 00320`
Alternative APN	`087 00320`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	979 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	813,265 sqft (18.6 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	175 SPENCE LN
City	HILHAM
State	TN
Zip	38568-5643
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 03 TRACT 11, COUNTY AREA: R01
Legal Tract	11
Legal Lot Number	11
Jurisdiction	CLAY TN
Township / Civil Division	4
Census Block Group	1
Census Block	1055
Census Tract	955000

Owner

Source: Clay 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	175 SPENCE LN, HILHAM, TN 38568-5643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2016 · Amount on Record
Deed Sale	Mar 29, 2016 · Amount on Record
Prior Sale	Dec 8, 2015 · Amount on Record
Deed Document Number	16000316
Deed Book / Page	105 / 383
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Property Address	175 SPENCE LN, HILHAM, TN 38568-5643
Transaction Type	Mortgage
Record Updated	Feb 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SPENCE LN, HILHAM, TN 38568-5643
Investor	Possibly a Property Investor

Mortgage

Document Number	00TD173/37
Date	Feb 2, 2023
Book Page	TD173/37
Instrument	23000124

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$922.00 Additional exemption filed	$35,475 (-) Land $4,150 Building $31,325
2023		$35,475 Land $4,150 Building $31,325
2022			$182,200 Land $56,900 Building $125,300

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 September 29, 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 (2021–2025)
Most Recent Claim	Mar 2025 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

Cell Coverage

No cell data coverage reported

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