290 Harbor Dr, Spring City, TN 37381 Property Records

Rhea County property record for 290 Harbor Dr, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,760 sqft · built 1986
Lot Size	0.921 acres (40,137 sqft)
Owner	Individual Name on File
Tax Bill	$1,948 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072044N A 01300`

Property Details

APN / Parcel Number

Primary APN	`072044N A 01300`
Alternative APN	`044N A 01300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,760 sqft Living Area
1st Floor Area	1,608 sqft
Upper Floors Area	1,152 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1999
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	40,137 sqft
Lot Dimensions	272 ft deep x 147 ft wide
Terrain	Rolling
Garage Type	Unfinished
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	310 sqft
Deck Area	924 sqft
Patio Area	240 sqft
Boat Access	Boat Access
Boat House	490 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	290 HARBOR DR
City	SPRING CITY
State	TN
Zip	37381-4710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: HIDDEN HARBOR; BLOCK: 3
Legal Subdivision	HIDDEN HARBOR
Legal Block	3
Legal Lot Number	67
Jurisdiction	RHEA TN
Township / Civil Division	3
Census Block Group	1
Census Block	1043
Census Tract	975100

Owner

290 Harbor Dr is owned and occupied by an individual who acquired it in November 2016.

Source: Rhea County records, as of January 26, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	290 HARBOR DR, SPRING CITY, TN 37381-4710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Dec 22, 2017	Deed of Trust, Mortgage · Line of Credit Y-12 FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2016
Deed Sale	Nov 16, 2016
Prior Sale	Apr 20, 2000 · Amount on File
Deed Document Number	0000454272
Deed Book / Page	309 / 317
Prior Transfer Date	Apr 30, 2012
Prior Transfer Doc	12053037
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	290 HARBOR DR, SPRING CITY, TN 37381-4710
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8270
Date	Jun 23, 2021
Book Page	T653/460
Instrument	21008270

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	290 HARBOR DR, SPRING CITY, TN 37381-4710
Document Number	0000009068
Instrument Date	Nov 23, 2018
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	290 HARBOR DR SPRING CITY TN 373814710, SPRING CITY, TN 37381-4710

Mortgage

Document Number	0000009068
Date	Nov 29, 2018
Book Page	000603/000197
Instrument	9068

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	290 HARBOR DR, SPRING CITY, TN 37381-4710
Document Number	0000004748
Book / Page	000588 / 000032
Instrument Date	Dec 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	290 HARBOR DR SPRING CITY TN 373814710, SPRING CITY, TN 37381-4710

Mortgage

Document Number	0000004748
Date	Jan 18, 2018
Book Page	000588/000032
Instrument	4748

Lender

Name	Y-12 FCU
Type	Credit Union
Address	OAK RIDGE, TN 37831-2512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 17, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 290 Harbor Dr was $1,948.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,948.00	$144,475 Land $43,750 Building $100,725
2024			$577,900 Land $175,000 Building $402,900
2022		$96,700 Land $40,000 Building $56,700	$386,800 Land $160,000 Building $226,800
2021	$2,180.00

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

Flood

FEMA maps place 290 Harbor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 2 claims

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 290 Harbor Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	WATTS BAR UTILITY DISTRICT serves 16,253 people · EPA ID TN0000872
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harbor Dr

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