1869 Spruce Loop, Crossville, TN 38555 Property Records

Cumberland County property record for 1869 Spruce Loop, Crossville, TN 38555

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,540 sqft · built 1996
Lot Size	0.53 acres (23,100 sqft)
Owner	Owner Name on File
Last Sale	$88,900 (Feb 2002)
Tax Bill	$503 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018125C B 00600`

Property Details

APN / Parcel Number

Primary APN	`018125C B 00600`
Alternative APN	`125C B 00600`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,100 sqft
Lot Dimensions	210 ft deep x 110 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1869 SPRUCE LOOP
City	CROSSVILLE
State	TN
Zip	38555-3886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: B56
Legal Subdivision	SHERWOOD FARMS
Legal Lot Number	201 110
Jurisdiction	CUMBERLAND TN
Township / Civil Division	8
Census Block Group	1
Census Block	1038
Census Tract	970601

Owner

The current owner of 1869 Spruce Loop bought it in February 2002.

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

Owner of Record	Owner Name on File
Mailing Address	1869 SPRUCE LOOP, CROSSVILLE, TN 38555-3886
Occupancy	Owner Occupied

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 12, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Dec 12, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2002 · Amount on File
Deed Sale	Feb 6, 2002 · Amount on File
Prior Sale	Jan 25, 2000 · Amount on File
Deed Document Number	0001097663
Deed Book / Page	1097 / 663
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	1869 SPRUCE LOOP, CROSSVILLE, TN 38555-3886
Document Number	0000015423
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1869 SPRUCE LOOP CROSSVILLE TN 385553886, CROSSVILLE, TN 38555-3886

Mortgage

Document Number	0000015423
Date	Dec 20, 2019
Book Page	001566/000746
Instrument	15423

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Dec 19, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.97%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	1869 SPRUCE LOOP, CROSSVILLE, TN 38555-3886
Document Number	0000015424
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1869 SPRUCE LOOP CROSSVILLE TN 385553886, CROSSVILLE, TN 38555-3886

Mortgage

Document Number	0000015424
Date	Dec 20, 2019
Book Page	001566/000760
Instrument	15424

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Dec 19, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.97%

Tax Assessment & Valuation

The 2025 property tax bill for 1869 Spruce Loop was $503.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$503.00	$44,300 Land $3,000 Building $41,300
2023		$44,300 (-) Land $3,000 Building $41,300
2022		$44,300 Land $3,000 Building $41,300	$177,200 (-) Land $12,000 Building $165,200
2021			$177,200 Land $12,000 Building $165,200
2018	$397.00

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 1869 Spruce Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 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

Wildfire risk around 1869 Spruce Loop is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% 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	CROSSVILLE WATER DEPT serves 32,985 people · EPA ID TN0000150
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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