204 Spruce St, Alcoa, TN 37701 Property Records

Blount County property record for 204 Spruce St, Alcoa, TN 37701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,567 sqft · built 1950
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Sep 2007)
Tax Bill	$1,636 (2022)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`005047B B 01100`

Property Details

APN / Parcel Number

Primary APN	`005047B B 01100`
Alternative APN	`047B B 01100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,567 sqft Living Area
1st Floor Area	1,567 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,522 sqft (0.54 acres)
Lot Dimensions	170 ft deep x 135 ft wide
Garage Type	Mixed
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	204 SPRUCE ST
City	ALCOA
State	TN
Zip	37701-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Description	ROCK GARDENS 2 189
Legal Subdivision	ROCK GARDENS
Legal Lot Number	189 P19
Jurisdiction	BLOUNT TN
Township / Civil Division	1
Census Block Group	1
Census Block	1007
Census Tract	10100

Owner

204 Spruce St is owned and occupied by two individuals who acquired it in August 2021.

Source: Blount County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	204 SPRUCE ST, ALCOA, TN 37701-2842
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
Oct 6, 2025	Deed of Trust, Mortgage US BANK
Aug 23, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage Y12 FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2007 · Amount on File
Deed Sale	Sep 27, 2007 · Amount on File
Prior Sale	Apr 27, 2005 · Amount on File
Deed Book / Page	2174 / 249
Last Transfer Date	Aug 20, 2021
Transfer Doc	0026650264
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT TN
Property Address	204 SPRUCE ST, ALCOA, TN 37701-2842
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SPRUCE ST, ALCOA, TN 37701-2842

Mortgage

Document Number	0028300000002753
Date	Oct 6, 2025
Book Page	0000002830/0000002753
Instrument	3018359

Lender

Name	US BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLOUNT TN
Recording Date	Aug 23, 2021
Property Address	204 SPRUCE ST, ALCOA, TN 37701-2842
Document Number	0026650264
Book / Page	2665 / 264
Instrument Date	Aug 20, 2021
Instrument	916485
Transaction Type	Transfer
Record Updated	Dec 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SPRUCE ST, ALCOA, TN 37701-2842

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT TN
Property Address	204 SPRUCE ST, ALCOA, TN 37701-2842
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025060922
Date	Jan 11, 2018
Book Page	2506/922

Lender

Name	Y12 FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Blount County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Alcoa City
County	Blount County
Unified School District	Alcoa City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$63,725 Land $11,000 Building $52,725
2023		$63,725 (+84.58%) Land $11,000 Building $52,725	$254,900 (+84.58%) Land $44,000 Building $210,900
2022	$1,636.00	$34,525 Land $7,500 Building $27,025	$138,100 Land $30,000 Building $108,100

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 204 Spruce St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 23, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 204 Spruce St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 51% 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	ALCOA WATER SYSTEM serves 35,238 people · EPA ID TN0000007
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2017
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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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