38 Spence Rd, Camden, TN 38320 Property Records

Benton County property record for 38 Spence Rd, Camden, TN 38320

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,280 sqft · built 1979
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Sep 2018)
Tax Bill	$480 (2025)
Deeds & Mortgages	Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`003079 02306`

Property Details

APN / Parcel Number

Primary APN	`003079 02306`
Alternative APN	`079 02306`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	960 sqft
Basement Area	320 sqft
Finished Basement	320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1997
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,996 sqft (1.01 acres)
Terrain	Rolling
Porch	Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	38 SPENCE RD
City	CAMDEN
State	TN
Zip	38320-7539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 10, COUNTY AREA: A50
Jurisdiction	BENTON TN
Township / Civil Division	4
Census Block Group	3
Census Block	3008
Census Tract	963100

Owner

Source: Benton County records, as of December 22, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 237, CAMDEN, TN 38320-0237
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on Record
Deed Sale	Sep 5, 2018 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Document Number	95899
Deed Book / Page	308 / 470
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON TN
Recording Date	Sep 5, 2018
Property Address	38 SPENCE RD, CAMDEN, TN 38320-7539
Document Number	000308/470
Book / Page	308 / 470
Instrument Date	Aug 31, 2018
Instrument	95899
Transaction Type	Transfer
Record Updated	Sep 1, 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	PO BOX 237, CAMDEN, TN 38320-0237

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$480.00 (+12.15%)	$28,125 (+79.43%) Land $2,525 Building $25,600	$112,500 (+79.43%) Land $10,100 Building $102,400
2023	$428.00	$15,675 (-) Land $1,875 Building $13,800
2022	$428.00	$15,675 Land $1,875 Building $13,800	$62,700 (-) Land $7,500 Building $55,200
2020			$62,700 Land $7,500 Building $55,200

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 July 3, 2012 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jun 2018 · 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
TEC Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spence Rd

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