271 Spence Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 271 Spence Rd, Rutledge, TN 37861 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2022
Square Footage	1,120 sqft Living Area
Lot Size	234,353 sqft (5.38 acres)
Last Sale	$5,000 (2020)
Tax Bill	$1,053.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`029051 04202`
Alternative APN	`051 04202`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft Basement
Unfinished Basement	1,120 sqft Unfinished
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Metal Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	234,353 sqft (5.38 acres)

Exterior Amenities

Porch	Porch
Porch Area	24 sqft Porch
Topography	Rolling Topography
Utility Building	192 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating
Sewage	Sewage Connected
Water Source	Commercial Water Source

Location & Zoning

Street Address	271 SPENCE RD
City	RUTLEDGE
State	TN
Zip	37861-5449
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DIST:07 MAP REF:051
Jurisdiction	GRAINGER TN
Minor Civil Division	2
Census Blockgroup	4
Census Block	4010
Census Tract	500402

Owner

Source: Grainger County records · APN 029051 04202

Assessment roll updated May 20, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 98, RUTLEDGE, TN 37861-0098
Owner Type	Owner is a Company
Vesting	Owner is a Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage GREAT OAKS BANK
Oct 03, 2024	Deed of Trust, Mortgage CITIZENS BANK & TRUST CO OF GRAINGER COU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Jul 30, 2010 · Amount on Record
Deed Doc Number	0000038334
Record Refreshed	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	271 SPENCE RD, RUTLEDGE, TN 37861-5449
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 JARAM RD 12, 12, MORRISTOWN, TN 37814-4968

Mortgage

Document Number	0000002183
Date	Jun 30, 2021
Book Page	395/1453
Instrument	21002183

Lender

Name	GREAT OAKS BANK
Type	Bank
Address	BEAN STATION, TN 37708

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 25, 2036
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	5.95%
Index	Other
Max Rate	8.95%

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	271 SPENCE RD, RUTLEDGE, TN 37861-5449
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 SPENCE RD, RUTLEDGE, TN 37861-5449

Mortgage

Document Number	0000002786
Date	Oct 03, 2024
Book Page	425/2767
Instrument	24002786

Lender

Name	CITIZENS BANK & TRUST CO OF GRAINGER COU
Type	Private Party
Address	1131 HIGHWAY 11W, BEAN STATION, TN 37708

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Sep 27, 2054

Tax Assessment & Valuation

Source: Grainger County records · Assessment roll updated May 20, 2025 · Last verified February 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	$1,053.00	$44,825 (-) Land $11,625 Building $33,200
2024	$1,053.00	$44,825 (-) Land $11,625 Building $33,200
2023	$1,053.00 (+294.38%)	$44,825 (+285.59%) Land $11,625 Building $33,200
2022	$267.00	$11,625 Land $11,625
2021			$179,300 Land $46,500 Building $132,800

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 81% 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.

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