290 Washington St, Sparta, TN 38583 Property Records

White County property record for 290 Washington St, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 1999
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,500 (Apr 2026)
Tax Bill	$684 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`093041C B 02800`

Property Details

APN / Parcel Number

Primary APN	`093041C B 02800`
Alternative APN	`041C B 02800`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	290 WASHINGTON ST
City	SPARTA
State	TN
Zip	38583-5926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1; SUBDIVISION: MT VERNON ESTATE S/D; LOT: 97
Legal Subdivision	MT VERNON ESTATE S/D
Legal Lot Number	97
Jurisdiction	WHITE TN
Township / Civil Division	7
Census Block Group	3
Census Block	3012
Census Tract	935300

Owner

Source: White County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage FIRST NATIONAL BANK OF TENNESSEE
Aug 28, 2023	Deed of Trust, Mortgage FIRST NATIONAL BANK OF TENNESSEE
Apr 6, 2026	Warranty Deed, Transfer · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION
Apr 6, 2026	Warranty Deed, Transfer · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION
Apr 6, 2026	Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE CORPORATION
Aug 28, 2023	Deed of Trust, Mortgage FIRST NATIONAL BANK OF TENNESSEE
Jun 9, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Jun 9, 2017 · Amount on Record
Deed Document Number	20261447
Deed Book / Page	597 / 638
Transfer Doc	0054000545
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	00RB507/92
Date	Apr 18, 2022
Book Page	RB507/92
Instrument	22001865

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Amount	Amount Recorded
Term	86 Months
Due	Jun 1, 2029

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0RB537/620
Date	Aug 28, 2023
Book Page	RB537/620
Instrument	23003283

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Amount	Amount Recorded
Term	86 Months
Due	Oct 1, 2030

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Apr 6, 2026
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Document Number	0000001447
Book / Page	597 / 638
Instrument Date	Apr 2, 2026
Instrument	20261447
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$92,864.45
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0000001448,
Date	Apr 6, 2026
Instrument	20261448

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

Mortgage

Document Number	0000001449,
Date	Apr 6, 2026
Book Page	597/655
Instrument	20261449

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Apr 6, 2026
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Document Number	0RB597/638
Book / Page	597 / 638
Instrument Date	Apr 2, 2026
Instrument	20261447
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$92,864.45
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0000001448,
Date	Apr 6, 2026
Instrument	20261448

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.75%
Max Rate	-1%

Mortgage

Document Number	0000001449,
Date	Apr 6, 2026
Book Page	597/655
Instrument	20261449

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Apr 6, 2026
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Document Number	0000001447
Book / Page	597 / 638
Instrument Date	Apr 2, 2026
Instrument	20261447
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$92,864.45
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0000001448,
Date	Apr 6, 2026
Instrument	20261448

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.75%
Max Rate	-1%

Mortgage

Document Number	0RB597/655,
Date	Apr 6, 2026
Book Page	597/655
Instrument	20261449

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0RB537/620
Date	Aug 28, 2023
Book Page	RB537/620
Instrument	23003283

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Amount	Amount Recorded
Term	86 Months
Due	Oct 1, 2030

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 9, 2017
Property Address	290 WASHINGTON ST, SPARTA, TN 38583-5926
Document Number	0RB398/438
Book / Page	RB398 / 438
Instrument Date	Jun 5, 2017
Instrument	17001955
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 WASHINGTON ST, SPARTA, TN 38583-5926

Mortgage

Document Number	0000001956
Date	Jun 9, 2017
Book Page	RB398/441
Instrument	17001956

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: White County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$684.00 (+24.14%)	$48,500 (+80.47%) Land $5,000 Building $43,500	$194,000 (+80.47%) Land $20,000 Building $174,000
2023		$26,875 Land $2,500 Building $24,375
2021	$551.00
2020			$107,500 Land $10,000 Building $97,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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 Claims	2 (2015–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2017 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	O'CONNOR UTILITY DISTRICT serves 10,344 people · EPA ID TN0000526
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 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	1 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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