178 Grace Dr, Sparta, TN 38583 Property Records

White County property record for 178 Grace Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,779 sqft · built 1999
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Jul 2020)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093024B B 01800`

Property Details

APN / Parcel Number

Primary APN	`093024B B 01800`
Alternative APN	`024B B 01800`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,779 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	178 GRACE DR
City	SPARTA
State	TN
Zip	38583-5177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4; SUBDIVISION: HEARTHSTONE S/D; LOT: 18
Legal Subdivision	HEARTHSTONE S/D
Legal Lot Number	18
Jurisdiction	WHITE TN
Township / Civil Division	7
Census Block Group	3
Census Block	3026
Census Tract	935100

Owner

Source: White County records, as of January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	178 GRACE DR, SPARTA, TN 38583-5177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Warranty Deed, Transfer · Conventional with PMI AMERICAN BK&TR/CUMBERLAND
Mar 4, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Mar 4, 2020 · Amount on Record
Deed Document Number	20202960
Deed Book / Page	460 / 536
Prior Transfer Date	Dec 14, 2011
Prior Transfer Doc	00RB307/70
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jul 28, 2020
Property Address	178 GRACE DR, SPARTA, TN 38583-5177
Document Number	0000002960
Book / Page	000460 / 000536
Instrument Date	Jul 27, 2020
Instrument	2960
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 GRACE DR SPARTA TN 385835177, SPARTA, TN 38583-5177

Mortgage

Document Number	2961
Date	Jul 28, 2020
Book Page	000460/000538
Instrument	2961

Lender

Name	AMERICAN BK&TR/CUMBERLAND
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Mar 4, 2020
Property Address	178 GRACE DR, SPARTA, TN 38583-5177
Document Number	0000000800
Book / Page	000450 / 000722
Instrument Date	Mar 2, 2020
Instrument	800
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$684.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 GRACE DR SPARTA TN 385835177, SPARTA, TN 38583-5177

Mortgage

Document Number	801
Date	Mar 4, 2020
Book Page	000450/000724
Instrument	801

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2050

Tax Assessment & Valuation

Source: White County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,109.00 (+36.41%)	$78,650 (+98.36%) Land $10,675 Building $67,975	$314,600 (+98.36%) Land $42,700 Building $271,900
2023		$39,650 (-) Land $4,575 Building $35,075
2022		$39,650 Land $4,575 Building $35,075	$158,600 (-) Land $18,300 Building $140,300
2021	$813.00
2020			$158,600 Land $18,300 Building $140,300

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 28, 2007 · 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

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	0.04% 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	O'CONNOR UTILITY DISTRICT serves 10,344 people · EPA ID TN0000526
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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