190 Eck Bray Rd, Sparta, TN 38583 Property Records

White County property record for 190 Eck Bray Rd, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,146 sqft · built 2008
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$4,149 (Mar 2022)
Tax Bill	$634 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093014 05305`

Property Details

APN / Parcel Number

Primary APN	`093014 05305`
Alternative APN	`014 05305`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	120 sqft
Finished Basement	120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	250 ft deep x 152 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	190 ECK BRAY RD
City	SPARTA
State	TN
Zip	38583-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4
Jurisdiction	WHITE TN
Township / Civil Division	7
Census Block Group	2
Census Block	2048
Census Tract	935100

Owner

Source: White 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
Mailing Address	190 ECK BRAY RD, SPARTA, TN 38583-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jun 7, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 31, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	Oct 4, 2007
Deed Document Number	20221358
Deed Book / Page	505 / 23
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	190 ECK BRAY RD, SPARTA, TN 38583-6628
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB507/369
Date	Apr 20, 2022
Book Page	RB507/369
Instrument	22001926

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	190 ECK BRAY RD, SPARTA, TN 38583-6628
Document Number	0000002211
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 ECK BRAY RD SPARTA TN 385836628, SPARTA, TN 38583-6628

Mortgage

Document Number	0000002211
Date	Jun 20, 2019
Book Page	000436/000139
Instrument	2211

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	190 ECK BRAY RD, SPARTA, TN 38583-6628
Document Number	0000000514
Book / Page	000410 / 000875
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 ECK BRAY RD SPARTA TN 385836628, SPARTA, TN 38583-6628

Mortgage

Document Number	0000000514
Date	Feb 13, 2018
Book Page	000410/000875
Instrument	514

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	190 ECK BRAY RD, SPARTA, TN 38583-6628
Document Number	0000002360
Book / Page	000400 / 000041
Instrument Date	Jun 29, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	190 ECK BRAY RD SPARTA TN 385836628, SPARTA, TN 38583-6628

Mortgage

Document Number	0000002360
Date	Jul 14, 2017
Book Page	000400/000041
Instrument	2360

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

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	$634.00 (+23.59%)	$44,975 (+79.72%) Land $2,625 Building $42,350	$179,900 (+79.72%) Land $10,500 Building $169,400
2023		$25,025 Land $2,700 Building $22,325
2021	$513.00
2020			$100,100 Land $10,800 Building $89,300

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

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	2 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	0.01% 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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