265 Spence Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 265 Spence Rd, Rutledge, TN 37861 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	1.5 ba · 2,450 sqft · built 1994
Lot Size	73.6 acres (3,206,016 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (May 2020)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`029051 04200`

Property Details

APN / Parcel Number

Primary APN	`029051 04200`
Alternative APN	`051 04200`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,450 sqft Living Area
1st Floor Area	2,030 sqft
Upper Floors Area	700 sqft
Basement Area	2,147 sqft
Finished Basement	1,342 sqft
Unfinished Basement	805 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,206,016 sqft (73.6 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	184 sqft
Deck Area	184 sqft
Patio Area	702 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	265 SPENCE RD
City	RUTLEDGE
State	TN
Zip	37861-5449
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 07, COUNTY AREA: G01
Jurisdiction	GRAINGER TN
Township / Civil Division	2
Census Block Group	4
Census Block	4010
Census Tract	500402

Owner

Source: Grainger County records · APN 029051 04200

Assessment roll updated January 29, 2026 · Last verified April 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 File
Mailing Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2018	Deed of Trust, Mortgage · Line of Credit THE HOME TRUST & SAVINGS BANK
Aug 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK & TRUST CO
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST CO
Mar 20, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2020 · Amount on Record
Deed Sale	May 04, 2020 · Amount on Record
Prior Sale	Aug 21, 1986
Deed Document Number	20208509
Deed Book / Page	384 / 147
Transfer Doc	0000000419
Record Updated	Jun 08, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2882
Date	Oct 22, 2018
Book Page	372/409
Instrument	18002882

Lender

Name	THE HOME TRUST & SAVINGS BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9557
Date	Aug 03, 2020
Book Page	386/808
Instrument	20009557

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	BEAN STATION, TN 37708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 23, 2035
Change Frequency	3 Years
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Max Rate	9.5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9691
Date	Aug 11, 2020
Book Page	386/1408
Instrument	20009691

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	BEAN STATION, TN 37708

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Mar 20, 2020
Property Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Document Number	0000008095
Book / Page	000383 / 000034
Instrument Date	Mar 20, 2020
Instrument	8095
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$19.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 SPENCE RD RUTLEDGE TN 378615449, RUTLEDGE, TN 37861-5449

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAINGER TN
Recording Date	Feb 16, 2017
Property Address	265 SPENCE RD, RUTLEDGE, TN 37861-5449
Document Number	0000000419
Book / Page	000360 / 001265
Instrument Date	Apr 25, 2016
Instrument	419
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 SPENCE RD RUTLEDGE TN 378615449, RUTLEDGE, TN 37861-5449

Tax Assessment & Valuation

Source: Grainger County records · Assessment roll updated January 29, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,557.00 Additional exemption filed	$66,275 (-) Land $15,950 Building $50,325
2024	$1,557.00 Additional exemption filed	$66,275 (-) Land $15,950 Building $50,325
2023	$1,557.00 (+2.3%) Additional exemption filed	$66,275 (-) Land $15,950 Building $50,325
2022	$1,522.00	$66,275 Land $15,950 Building $50,325
2021			$343,700 Land $142,400 Building $201,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grainger County (47057C), updated December 16, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 83% of Tennessee
Wildfire Likelihood	About 1 in 588 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Foursight Communications	Fiber	8,000 / 8,000
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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