178 Laurel Dr, Spring City, TN 37381 Property Records

Rhea County property record for 178 Laurel Dr, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,170 sqft · built 1992
Lot Size	0.554 acres (24,150 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Jul 2011)
Tax Bill	$958 (2021)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072037H D 00500`

Property Details

APN / Parcel Number

Primary APN	`072037H D 00500`
Alternative APN	`037H D 00500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,150 sqft (0.554 acres)
Lot Dimensions	230 ft deep x 105 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	178 LAUREL DR
City	SPRING CITY
State	TN
Zip	37381-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: WOODMOOR
Legal Subdivision	WOODMOOR
Legal Lot Number	21 86
Jurisdiction	RHEA TN
Township / Civil Division	2
Census Block Group	1
Census Block	1023
Census Tract	975100

Owner

178 Laurel Dr is owned and occupied by an individual who bought it in July 2011.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	178 LAUREL DR, SPRING CITY, TN 37381-5428
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHEAST BANK
Oct 17, 2024	Deed of Trust, Mortgage · FHA Mortgage TJC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2011 · Amount on File
Deed Sale	Jul 15, 2011 · Amount on File
Deed Document Number	11049765
Deed Book / Page	413 / 196
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	178 LAUREL DR, SPRING CITY, TN 37381-5428
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 LAUREL DR, SPRING CITY, TN 37381-5428

Mortgage

Document Number	0000031176
Date	Dec 9, 2025
Book Page	T740/162
Instrument	25031176

Lender

Name	SOUTHEAST BANK
Type	Bank
Address	SPRING CITY, TN 37381

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	178 LAUREL DR, SPRING CITY, TN 37381-5428
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	UNKNOWN, HOLLIINGGSHEAD T&E

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 LAUREL DR, SPRING CITY, TN 37381-5428

Mortgage

Document Number	0000025515
Date	Oct 17, 2024
Book Page	T716/666
Instrument	24025515

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Rhea County
Municipality	Spring City Town
Unified School District	Rhea County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$48,300 Land $6,575 Building $41,725
2024			$193,200 Land $26,300 Building $166,900
2022		$25,850 Land $2,625 Building $23,225	$103,400 Land $10,500 Building $92,900
2021	$958.00

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

FEMA maps place 178 Laurel Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 2 claims

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

Wildfire risk around 178 Laurel Dr is low, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.08% 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	SPRING CITY WATER SYSTEM serves 2,920 people · EPA ID TN0000656
Water Source	Surface water
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	Treatment report not submitted Jan 2012
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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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