Rhea County property record for 245 Wayne Smith Rd, Spring City, TN 37381
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,508 sqft · built 1987 |
| Lot Size | 1.01 acres (44,173 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $763 (2025) |
| Deeds & Mortgages | Jul 2020 Loan Modification Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072030 03209 |
| Primary APN | 072030 03209 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,173 sqft (1.01 acres) |
| Garage Type | Finished |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 224 sqft |
| Patio Area | 312 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 245 WAYNE SMITH RD |
|---|---|
| City | SPRING CITY |
| State | TN |
| Zip | 37381-5228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | RHEA TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 975100 |
Source: Rhea County records, as of July 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 245 WAYNE SMITH RD, SPRING CITY, TN 37381-5228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jul 13, 2020 | Loan Modification, Mortgage ENRICHMENT FCU |
| Oct 25, 2019 | Deed of Trust, Mortgage ENRICHMENT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 1984 |
| Deed Sale | Dec 15, 1984 |
| Deed Book / Page | 193 / 541 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | RHEA TN |
| Property Address | 245 WAYNE SMITH RD, SPRING CITY, TN 37381-5228 |
| Document Number | 0000003057 |
| Instrument Date | Jul 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 245 WAYNE SMITH RD SPRING CITY TN 373815228, SPRING CITY, TN 37381-5228 |
| Document Number | 0000003057 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 000632/000672 |
| Instrument | 3057 |
| Name | ENRICHMENT FCU |
|---|---|
| Type | Credit Union |
| Address | OAK RIDGE, TN 37831-0883 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 5, 2035 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RHEA TN |
| Property Address | 245 WAYNE SMITH RD, SPRING CITY, TN 37381-5228 |
| Document Number | 0000013519 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 245 WAYNE SMITH RD SPRING CITY TN 373815228, SPRING CITY, TN 37381-5228 |
| Document Number | 0000013519 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 000618/000077 |
| Instrument | 13519 |
| Name | ENRICHMENT FCU |
|---|---|
| Type | Credit Union |
| Address | OAK RIDGE, TN 37831-0883 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Nov 3, 2039 |
Source: Rhea County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rhea County |
| Unified School District | Rhea County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $763.00 (+5.68%) | $56,600 (+76.74%) Land $4,250 Building $52,350 | |
| 2024 | $226,400 (+76.74%) Land $17,000 Building $209,400 | ||
| 2022 | $32,025 Land $3,500 Building $28,525 | $128,100 Land $14,000 Building $114,100 | |
| 2021 | $722.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 64% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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