237 Spencer Ln, Big Sandy, TN 38221 Property Records

Benton County property record for 237 Spencer Ln, Big Sandy, TN 38221

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on Record
Last Sale	$77,790 (Oct 2021)
Tax Bill	$54 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`003025B A 00700`

Property Details

APN / Parcel Number

Primary APN	`003025B A 00700`
Alternative APN	`025B A 00700`

Exterior

Lot Area	35,719 sqft (0.82 acres)
Lot Dimensions	132 ft deep x 264 ft wide
Terrain	Rolling

Location & Zoning

Street Address	237 SPENCER LN
City	BIG SANDY
State	TN
Zip	38221-4002
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	DISTRICT: 08 NEW HOPE RD, COUNTY AREA: F95
Legal Subdivision	KY LAKE HGTS UNIT 10
Legal Lot Number	20
Jurisdiction	BENTON TN
Township / Civil Division	6
Census Block Group	3
Census Block	3027
Census Tract	963000

Owner

Source: Benton County records, as of December 23, 2025

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	237 SPENCER LN, BIG SANDY, TN 38221-4002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Deed of Trust, Mortgage · Closed-End Mortgage COMMERCIAL BANK & TRUST COMPANY
Oct 19, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Mar 8, 2021
Deed Document Number	2021107592
Deed Book / Page	365 / 6
Last Transfer Date	Nov 23, 2021
Transfer Doc	0000107988
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON TN
Property Address	SPENCER LN, BIG SANDY, TN 38221
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2337 NEW HOPE RD, BIG SANDY, TN 38221

Mortgage

Document Number	000392/586
Date	Apr 19, 2023
Book Page	392/586
Instrument	113375

Lender

Name	COMMERCIAL BANK & TRUST COMPANY
Type	Bank
Address	PARIS, TN 38242

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Apr 14, 2054

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON TN
Recording Date	Oct 19, 2021
Property Address	SPENCER LN, BIG SANDY, TN 38221
Document Number	00000365/6
Book / Page	365 / 6
Map Reference	CAB B SL 653-657
Instrument Date	Oct 19, 2021
Instrument	107592
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Tax	$287.82
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 MCCAULEYS BLUFF RD, HOLLADAY, TN 38341-2953
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Benton County assessment roll, as of December 23, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$54.00 (+125%)	$3,175 (+262.86%) Land $3,175	$12,700 (+262.86%) Land $12,700
2023	$24.00	$875 (-) Land $875
2022	$24.00	$875 Land $875	$3,500 (-) Land $3,500
2020			$3,500 Land $3,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 3, 2012 · 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
Nearby Flood Policies	5 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	0.03% 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	HARBOR UTILITY DISTRICT serves 736 people · EPA ID TN0000055
Water Source	Groundwater
Last State Inspection	Apr 2024
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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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