Rhea County property record for 346 James Waldo Ln, Spring City, TN 37381
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,448 sqft · built 1995 |
| Lot Size | 3.56 acres (155,509 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,140 (2025) |
| Deeds & Mortgages | Dec 2021 Sale Jun 2021 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 072008 02700 |
| Primary APN | 072008 02700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 2,896 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 155,509 sqft (3.56 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Porch | Open Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 460 sqft |
| Patio Area | 960 sqft |
| Shed | 1 Shed |
| Shed Area | 312 sqft |
| Boat Access | Boat Access |
| Boat House | 1 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 346 JAMES WALDO LN |
|---|---|
| City | SPRING CITY |
| State | TN |
| Zip | 37381-5513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 1 |
| Legal Subdivision | USA-TVA XWBR-146 |
| Jurisdiction | RHEA TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 975000 |
346 James Waldo Ln is owned and occupied by an individual who acquired it in June 2025.
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 |
|---|---|
| Mailing Address | 346 JAMES WALDO LN, SPRING CITY, TN 37381-5513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2021 | Warranty Deed, Transfer |
| Jun 4, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Jan 30, 2015 · Amount on File |
| Last Transfer Date | Jun 30, 2025 |
| Transfer Doc | 0000028985 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RHEA TN |
| Recording Date | Dec 21, 2021 |
| Property Address | 346 JAMES WALDO LN, SPRING CITY, TN 37381-5513 |
| Document Number | 0000011392 |
| Book / Page | 500 / 329 |
| Map Reference | MB 4 PG 797 |
| Instrument Date | Dec 2, 2021 |
| Instrument | 21011392 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $124.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 346 JAMES WALDO LN, SPRING CITY, TN 37381-5513 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RHEA TN |
| Property Address | 346 JAMES WALDO LN, SPRING CITY, TN 37381-5513 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2021 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 346 JAMES WALDO LN, SPRING CITY, TN 37381-5513 |
| Document Number | 7956 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | T652/237 |
| Instrument | 21007956 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 23, 2051 |
The 2025 property tax bill for 346 James Waldo Ln was $1,140.
Source: Rhea County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rhea County |
| Unified School District | Rhea County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,140.00 | $84,525 Land $16,000 Building $68,525 | |
| 2024 | $338,100 Land $64,000 Building $274,100 | ||
| 2022 | $51,500 Land $13,350 Building $38,150 | $206,000 Land $53,400 Building $152,600 | |
| 2021 | $1,107.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 346 James Waldo Ln in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 21 (1982–2019) |
| Claims Outside the SFHA | 6 of 21 |
| Most Recent Claim | Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 346 James Waldo Ln is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 64% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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