225 Spring St, Spring City, TN 37381 Property Records

Rhea County property record for 225 Spring St, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,506 sqft · built 1976
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Tax Bill	$904 (2021)
Deeds & Mortgages	May 2022 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072030E D 00200`

Property Details

APN / Parcel Number

Primary APN	`072030E D 00200`
Alternative APN	`030E D 00200`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,506 sqft Living Area
1st Floor Area	1,506 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	147 ft deep x 125 ft wide
Garage Type	Carport
Garage Area	524 sqft
Carport	Carport
Carport Area	524 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	225 SPRING ST
City	SPRING CITY
State	TN
Zip	37381-5090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: EDGEWOOD HILLS; BLOCK: A
Legal Subdivision	EDGEWOOD HILLS
Legal Block	A
Legal Lot Number	13
Jurisdiction	RHEA TN
Township / Civil Division	2
Census Block Group	3
Census Block	3028
Census Tract	975100

Owner

Source: Rhea County records, as of June 18, 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	225 SPRING ST, SPRING CITY, TN 37381-5090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Mar 26, 2020	Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG
May 1, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2007
Deed Sale	Oct 13, 2007
Prior Sale	Dec 12, 2005 · Amount on Record
Deed Book / Page	384 / 98
Last Transfer Date	Oct 16, 2015
Transfer Doc	0000068526
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	225 SPRING ST, SPRING CITY, TN 37381-5090
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013904
Date	May 16, 2022
Book Page	T675/121
Instrument	22013904

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	225 SPRING ST, SPRING CITY, TN 37381-5090
Document Number	0000004991
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	225 SPRING ST SPRING CITY TN 373815090, SPRING CITY, TN 37381-5090

Mortgage

Document Number	0000004991
Date	Dec 11, 2020
Book Page	000640/000171
Instrument	4991

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	225 SPRING ST, SPRING CITY, TN 37381-5090
Document Number	0000001319
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	225 SPRING ST SPRING CITY TN 373815090, SPRING CITY, TN 37381-5090

Mortgage

Document Number	0000001319
Date	Apr 7, 2020
Book Page	000625/000532
Instrument	1319

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	225 SPRING ST, SPRING CITY, TN 37381-5090
Document Number	0000001635
Book / Page	000577 / 000233
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	225 SPRING ST SPRING CITY TN 373815090, SPRING CITY, TN 37381-5090

Mortgage

Document Number	0000001635
Date	May 10, 2017
Book Page	000577/000233
Instrument	1635

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2047

Tax Assessment & Valuation

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

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		$46,650 (+91.19%) Land $3,625 Building $43,025
2024			$186,600 (+91.19%) Land $14,500 Building $172,100
2022		$24,400 Land $2,425 Building $21,975	$97,600 Land $9,700 Building $87,900
2021	$904.00

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 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.06% 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 184 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.

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