396 N Spring St, Sparta, TN 38583 Property Records

White County property record for 396 N Spring St, Sparta, TN 38583

Property Summary

Property Type	Commercial Office
Details	2,220 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$249,500 (Mar 2021)
Tax Bill	$1,914 (2021)
Deeds & Mortgages	Nov 2023 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093049 00205`

Property Details

APN / Parcel Number

Primary APN	`093049 00205`
Alternative APN	`049 00205`

Interior

Stories	1 Story
Building Area	2,220 sqft Total Area

Exterior

Year Built	Built 2004
Exterior Material	Metal
Lot Area	12,197 sqft (0.28 acres)
Canopy	85 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	396 N SPRING ST
City	SPARTA
State	TN
Zip	38583-1327
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	DIST:01 CITY/MUNI/TWP:SPARTA MAP REF:049
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	1
Census Block	1019
Census Tract	935300

Owner

Source: White County records, as of January 23, 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	Company Name on Record
Mailing Address	280 S JEFFERSON AVE, COOKEVILLE, TN 38501-3453
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit WILSON BANK & TRUST
Mar 8, 2021	Warranty Deed, Transfer · Commercial Mortgage WILSON BANK & TRUST
Jun 28, 2018	Deed of Trust, Mortgage FIRST NAT'L BK/TN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Deed Document Number	21001063
Deed Book / Page	RB475 / 891
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	396 N SPRING ST, SPARTA, TN 38583-1327
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	NOT AVAILABLE, LEDBETTER TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB542/324
Date	Nov 14, 2023
Book Page	RB542/324
Instrument	23004394

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Nov 2, 2025

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Mar 8, 2021
Property Address	396 N SPRING ST, SPARTA, TN 38583-1327
Document Number	0RB475/891
Book / Page	RB475 / 891
Instrument Date	Mar 4, 2021
Instrument	21001063
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 S JEFFERSON AVE, COOKEVILLE, TN 38501-3453

Mortgage

Document Number	0021001064
Date	Mar 8, 2021
Instrument	21001064

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 4, 2041

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	396 N SPRING ST, SPARTA, TN 38583-1327
Document Number	0000002113
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	396 N SPRING ST SPARTA TN 385831327, SPARTA, TN 38583-1327

Mortgage

Document Number	0000002113
Date	Jun 28, 2018
Book Page	000417/000615
Instrument	2113

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	SPARTA, TN 38583

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 27, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$83,080 (+28.85%) Land $18,720 Building $64,360	$207,700 (+28.85%) Land $46,800 Building $160,900
2023		$64,480 Land $13,120 Building $51,360
2021	$1,914.00
2020			$161,200 Land $32,800 Building $128,400

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 · 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 Policies	1 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2021 · 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	0.01% 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	SPARTA WATER SYSTEM serves 10,899 people · EPA ID TN0000652
Water Source	Surface water
Last State Inspection	Mar 2025
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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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