281 Spradling Rd, Bean Station, TN 37708 Property Records

Grainger County property record for 281 Spradling Rd, Bean Station, TN 37708

Property Summary

Property Type	Single Family Home
Details	1 ba · 720 sqft · built 1966
Lot Size	0.719 acres (31,363 sqft)
Owner	2 Individual Names on File
Last Sale	$68,000 (Jun 2018)
Tax Bill	$414 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029052O A 02100`

Property Details

APN / Parcel Number

Primary APN	`029052O A 02100`
Alternative APN	`052O A 02100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1989
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.719 acres)
Lot Dimensions	260 ft deep x 146 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	281 SPRADLING RD
City	BEAN STATION
State	TN
Zip	37708-6526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07 LOT 16, COUNTY AREA: G01
Legal Subdivision	SPRADLING ESTATE
Legal Block	A
Legal Lot Number	16
Jurisdiction	GRAINGER TN
Township / Civil Division	5
Census Block Group	3
Census Block	3006
Census Tract	500402

Owner

281 Spradling Rd is owned by two individuals who bought it in June 2018.

Source: Grainger County records, as of January 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 98, RUTLEDGE, TN 37861-0098
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
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK & TRUST CO
Jun 20, 2018	Warranty Deed, Transfer · ARM CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Deed Document Number	0000369998
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	281 SPRADLING RD, BEAN STATION, TN 37708-6526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008665
Date	May 20, 2020
Book Page	384/896
Instrument	20008665

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	May 13, 2025
Change Frequency	3 Years
Min Rate At Change	5.5%
Max Rate At Change	8.62%
Index	3-Year CMT
Margin	2
Max Rate	11.6%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Jun 20, 2018
Property Address	281 SPRADLING RD, BEAN STATION, TN 37708-6526
Document Number	1566
Book / Page	369 / 998
Map Reference	MB2 PG38
Instrument Date	Jun 18, 2018
Instrument	18001566
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	281 SPRADLING RD, BEAN STATION, TN 37708-6526

Mortgage

Document Number	1567
Date	Jun 20, 2018
Instrument	18001567

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.44%
Adjustable	Adjustable Rate Rider
Min Rate At Change	5%
Max Rate At Change	9.44%
Margin	2
Max Rate	12.4%

Tax Assessment & Valuation

The 2025 property tax bill for 281 Spradling Rd was $414.

Source: Grainger County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$414.00	$17,625 (-) Land $6,800 Building $10,825
2024	$414.00	$17,625 (-) Land $6,800 Building $10,825
2023	$414.00 (+2.22%)	$17,625 (-) Land $6,800 Building $10,825
2022	$405.00	$17,625 Land $6,800 Building $10,825
2021			$70,500 Land $27,200 Building $43,300

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 281 Spradling Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2008 · 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
Nearby Flood Policies	1 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

Wildfire risk around 281 Spradling Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.08% 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	BEAN STATION UTILITY DISTRICT serves 10,748 people · EPA ID TN0000041
Water Source	Purchased surface water from MORRISTOWN UTILITIES COMMISSION
Last State Inspection	Apr 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spradling Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures