2322 Spruce Loop, Crossville, TN 38555 Property Records

Cumberland County property record for 2322 Spruce Loop, Crossville, TN 38555

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1996
Lot Size	0.482 acres (21,000 sqft)
Owner	Individual Name on File
Last Sale	$122,900 (Nov 2020)
Tax Bill	$481 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018125G A 01200`

Property Details

APN / Parcel Number

Primary APN	`018125G A 01200`
Alternative APN	`125G A 01200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 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	21,000 sqft
Lot Dimensions	210 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2322 SPRUCE LOOP
City	CROSSVILLE
State	TN
Zip	38555-3826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: B56
Legal Subdivision	SHERWOOD FARMS
Legal Lot Number	32 100
Jurisdiction	CUMBERLAND TN
Township / Civil Division	8
Census Block Group	2
Census Block	2025
Census Tract	970601

Owner

2322 Spruce Loop is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2322 SPRUCE LOOP, CROSSVILLE, TN 38555-3826
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
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on File
Deed Sale	Nov 30, 2020 · Amount on File
Prior Sale	Nov 7, 2007
Deed Document Number	0001594886
Deed Book / Page	1594 / 886
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	2322 SPRUCE LOOP, CROSSVILLE, TN 38555-3826
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 SPRUCE LOOP, CROSSVILLE, TN 38555-3826
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002727
Date	Feb 25, 2026
Book Page	1742/2096
Instrument	26002727

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2041

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Nov 30, 2020
Property Address	2322 SPRUCE LOOP, CROSSVILLE, TN 38555-3826
Document Number	0000014991
Book / Page	1594 / 886
Map Reference	MB 7 PG 41
Instrument Date	Nov 24, 2020
Instrument	20014991
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$454.73
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 SPRUCE LOOP, CROSSVILLE, TN 38555-3826
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014992
Date	Nov 30, 2020
Instrument	20014992

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 2322 Spruce Loop was $481.

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	$481.00	$42,375 Land $3,000 Building $39,375
2023		$42,375 (-) Land $3,000 Building $39,375
2022		$42,375 Land $3,000 Building $39,375	$169,500 (-) Land $12,000 Building $157,500
2021			$169,500 Land $12,000 Building $157,500

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 2322 Spruce Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2322 Spruce Loop is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 73% of Tennessee
Wildfire Likelihood	0.2% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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