2109 Torbett Rd, Spring City, TN 37381 Property Records

Rhea County property record for 2109 Torbett Rd, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,691 sqft · built 2002
Lot Size	0.468 acres (20,399 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Mar 2025)
Tax Bill	$1,888 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072038J F 00800`

Property Details

APN / Parcel Number

Primary APN	`072038J F 00800`
Alternative APN	`038J F 00800`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,691 sqft Living Area
1st Floor Area	2,340 sqft
Upper Floors Area	1,170 sqft
Basement Area	1,170 sqft
Finished Basement	1,170 sqft
Unfinished Basement	1,170 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,399 sqft (0.468 acres)
Lot Dimensions	287 ft deep x 98 ft wide

Exterior Amenities

Porch	Slab
Porch Area	496 sqft
Deck Area	896 sqft
Patio Area	312 sqft
Shed	1 Shed
Shed Area	1 sqft
Boat Access	Boat Access
Boat House	460 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2109 TORBETT RD
City	SPRING CITY
State	TN
Zip	37381-2840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: SALENA ESTATES
Legal Subdivision	SALENA ESTATES
Legal Lot Number	8
Jurisdiction	RHEA TN
Township / Civil Division	3
Census Block Group	1
Census Block	1001
Census Tract	975100

Owner

2109 Torbett Rd is owned and occupied by an individual who bought it in March 2025.

Source: Rhea County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
May 13, 2026	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Mar 20, 2025	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 13, 2018	Loan Modification, Mortgage · Conventional Mortgage HARDIN CNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2025 · Amount on File
Deed Sale	Mar 20, 2025 · Amount on File
Prior Sale	Jul 25, 2013 · Amount on File
Deed Document Number	202527538
Deed Book / Page	532 / 351
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Recording Date	May 13, 2026
Property Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840
Document Number	0000033227
Book / Page	749 / 558
Instrument Date	Apr 23, 2026
Instrument	202633227
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840

Mortgage

Document Number	0000033227,
Date	May 13, 2026
Book Page	749/558
Instrument	202633227

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2056

Interest

Rate	6.38%
Max Rate	-1%

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Mar 20, 2025
Property Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840
Document Number	0000027538
Book / Page	532 / 351
Instrument Date	Mar 18, 2025
Instrument	25027538
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	PRITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840

Mortgage

Document Number	0000027539
Date	Mar 20, 2025
Instrument	25027539

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RHEA TN
Property Address	2109 TORBETT RD, SPRING CITY, TN 37381-2840
Document Number	0000007480
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	114 CUNNINGHAM LN SIGNAL MOUNTAIN TN 373772122, SIGNAL MOUNTAIN, TN 37377-2122

Mortgage

Document Number	0000007480
Date	Aug 2, 2018
Book Page	000597/000683
Instrument	7480

Lender

Name	HARDIN CNTY BK
Type	Bank
Address	SAVANNAH, TN 38372

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Torbett Rd was $1,888.

Source: Rhea County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,888.00	$140,025 Land $43,750 Building $96,275
2024			$560,100 Land $175,000 Building $385,100
2022		$110,250 Land $38,750 Building $71,500	$441,000 Land $155,000 Building $286,000
2021	$2,486.00

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 2109 Torbett Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 2109 Torbett Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WATTS BAR UTILITY DISTRICT serves 16,253 people · EPA ID TN0000872
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
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 39 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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