298 Derossett Loop, Sparta, TN 38583 Property Records

White County property record for 298 Derossett Loop, Sparta, TN 38583

Property Summary

Property Type	Mobile Home
Details	2 ba · 1,680 sqft · built 2005
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$61,685 (May 2024)
Tax Bill	$649 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`093052C B 02300`

Property Details

APN / Parcel Number

Primary APN	`093052C B 02300`
Alternative APN	`052C B 02300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Mobile/Manufactured
Exterior Material	Siding
Roof Material	Metal
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	145 ft deep x 265 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	48 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	298 DEROSSETT LOOP
City	SPARTA
State	TN
Zip	38583-3145
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DISTRICT: 2
Jurisdiction	WHITE TN
Township / Civil Division	4
Census Block Group	1
Census Block	1008
Census Tract	935000

Owner

Source: White County records, as of January 26, 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	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Dec 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 18, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 3, 2019	Warranty Deed, Transfer · Line of Credit PUTNAM 1ST MERCANTILE BANK
Jul 18, 2019	Warranty Deed, Transfer · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	20241611
Deed Book / Page	5551 / 623
Last Transfer Date	Sep 20, 2024
Transfer Doc	0000003850
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145

Mortgage

Document Number	0RB585/814
Date	Oct 30, 2025
Book Page	RB585/814
Instrument	25004171

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Dec 10, 2020
Property Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Document Number	0000005107
Book / Page	000470 / 000068
Instrument Date	Dec 9, 2020
Instrument	5107
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 DEROSSETT LOOP SPARTA TN 385833145, SPARTA, TN 38583-3145

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Nov 18, 2020
Property Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Document Number	0000004803
Book / Page	000468 / 000811
Instrument Date	Nov 18, 2020
Instrument	4803
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 ROCKY LN LIVINGSTON TN 385706198, LIVINGSTON, TN 38570-6198

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Oct 3, 2019
Property Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Document Number	0RB442/007
Book / Page	RB442 / 007
Instrument Date	Sep 30, 2019
Instrument	19003593
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	298 DEROSSCTT LOOP, SPARTA, TN 38583-3145

Mortgage

Document Number	0019003594
Date	Oct 3, 2019
Instrument	19003594

Lender

Name	PUTNAM 1ST MERCANTILE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jul 18, 2019
Property Address	298 DEROSSETT LOOP, SPARTA, TN 38583-3145
Document Number	0000002526
Book / Page	000437 / 000404
Instrument Date	Jul 9, 2019
Instrument	2526
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.15
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 DEROSSETT LOOP SPARTA TN 385833145, SPARTA, TN 38583-3145

Mortgage

Document Number	2527
Date	Jul 18, 2019
Book Page	000437/000407
Instrument	2527

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 17, 2020

Interest

Rate Type	Adjustable Rate

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	$649.00 (+47.5%)	$46,000 (+114.45%) Land $3,125 Building $42,875	$184,000 (+114.45%) Land $12,500 Building $171,500
2023		$21,450 Land $1,625 Building $19,825
2021	$440.00
2020			$85,800 Land $6,500 Building $79,300

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

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 59% of the US · above 80% of Tennessee
Wildfire Likelihood	0.2% 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	BON DE CROFT UTILITY DISTRICT serves 4,577 people · EPA ID TN0000653
Water Source	Surface water
Last State Inspection	Oct 2025
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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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