362 Vandy Cir, Sparta, TN 38583 Property Records

White County property record for 362 Vandy Cir, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,612 sqft · built 1975
Lot Size	0.425 acres (18,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Aug 2026)
Tax Bill	$930 (2025)
Deeds & Mortgages	Aug 2026 Sale Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093051I A 01900`

Property Details

APN / Parcel Number

Primary APN	`093051I A 01900`
Alternative APN	`051I A 01900`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,612 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,500 sqft (0.425 acres)
Lot Dimensions	185 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	908 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	136 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	362 VANDY CIR
City	SPARTA
State	TN
Zip	38583-2954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: RIMROCK MESA S/D; LOT: 53
Legal Subdivision	RIMROCK MESA S/D
Legal Lot Number	52,53
Jurisdiction	WHITE TN
Township / Civil Division	4
Census Block Group	3
Census Block	3056
Census Tract	935000

Owner

Source: White County records, as of August 20, 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	2 Individual Names on Record
Mailing Address	362 VANDY CIR, SPARTA, TN 38583-2954
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
May 18, 2018	Warranty Deed, Transfer BANK OF PUTNAM CNTY
May 18, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF PUTNAM COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	May 18, 2018 · Amount on Record
Deed Document Number	20263665
Deed Book / Page	608 / 337
Transfer Doc	0000002464
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Aug 7, 2026
Property Address	362 VANDY CIR, SPARTA, TN 38583-2954
Document Number	0000003665
Book / Page	608 / 337
Instrument Date	Aug 3, 2026
Instrument	20263665
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$127,058.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 VANDY CIR, SPARTA, TN 38583-2954

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	362 VANDY CIR, SPARTA, TN 38583-2954
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000342
Date	Jan 25, 2021
Book Page	RB472/913
Instrument	21000342

Lender

Name	CITIZENS BANK
Type	Bank
Address	CARTHAGE, TN 37030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 18, 2018
Property Address	362 VANDY CIR, SPARTA, TN 38583-2954
Document Number	0000001617
Book / Page	000415 / 000493
Instrument Date	May 11, 2018
Instrument	1617
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	POINTER TITLE SERVICES INC, POINTER TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 VANDY CIR SPARTA TN 385832954, SPARTA, TN 38583-2954

Mortgage

Document Number	1618
Date	May 18, 2018
Book Page	000415/000495
Instrument	1618

Lender

Name	BANK OF PUTNAM CNTY
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 17, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 18, 2018
Property Address	362 VANDY CIR, SPARTA, TN 38583-2954
Document Number	0RB415/493
Book / Page	RB415 / 493
Map Reference	MB1 PG74
Instrument Date	May 11, 2018
Instrument	18001617
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	POINTER TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 VANDY CIR, SPARTA, TN 38583-2954

Mortgage

Document Number	0018001618
Date	May 18, 2018
Instrument	18001618

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$930.00 (+17.87%)	$65,975 (+71.36%) Land $10,000 Building $55,975	$263,900 (+71.36%) Land $40,000 Building $223,900
2023		$38,500 Land $8,750 Building $29,750
2021	$789.00
2020			$154,000 Land $35,000 Building $119,000

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	1 (2015)
Most Recent Claim	Jun 2015 · other causes

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	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.09% 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 42 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 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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