398 Christopher Ln, Spring City, TN 37381 Property Records

Rhea County property record for 398 Christopher Ln, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,792 sqft · built 2007
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Feb 2024)
Tax Bill	$717 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072050 03200`

Property Details

APN / Parcel Number

Primary APN	`072050 03200`
Alternative APN	`050 03200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Upper Floors Area	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	198 ft deep x 200 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	288 sqft
Deck Area	36 sqft
Patio Area	404 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	398 CHRISTOPHER LN
City	SPRING CITY
State	TN
Zip	37381-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Legal Subdivision	DOCK W SMITH SURV
Jurisdiction	RHEA TN
Township / Civil Division	3
Census Block Group	2
Census Block	2023
Census Tract	975100

Owner

398 Christopher Ln is owned and occupied by an individual who bought it in February 2024.

Source: Rhea County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FUNDING
Feb 16, 2024	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING
Jul 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2024 · Amount on File
Deed Sale	Feb 16, 2024 · Amount on File
Prior Sale	Jul 13, 2017
Deed Document Number	24022265
Deed Book / Page	521 / 420
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404

Mortgage

Document Number	0000026078
Date	Nov 27, 2024
Book Page	T719/190
Instrument	24026078

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Feb 16, 2024
Property Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404
Document Number	0000022265
Book / Page	521 / 420
Instrument Date	Feb 15, 2024
Instrument	24022265
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	TITLE INS CO OF CHATTANOOGA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404

Mortgage

Document Number	0000022266
Date	Feb 16, 2024
Book Page	T704/126
Instrument	24022266

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RHEA TN
Recording Date	Jul 13, 2017
Property Address	398 CHRISTOPHER LN, SPRING CITY, TN 37381-1404
Document Number	0000002460
Book / Page	000458 / 000674
Instrument Date	Jun 29, 2017
Instrument	2460
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	809 SCOGGINS LN DAYTON TN 373215139, DAYTON, TN 37321-5139

Tax Assessment & Valuation

The 2025 property tax bill for 398 Christopher Ln was $717.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$717.00	$53,200 (-) Land $3,650 Building $49,550
2024	$717.00	$53,200 Land $3,650 Building $49,550	$212,800 Land $14,600 Building $198,200
2022		$35,625 Land $2,775 Building $32,850	$142,500 Land $11,100 Building $131,400
2021	$803.00

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

FEMA maps place 398 Christopher Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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

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

Wildfire risk around 398 Christopher Ln is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 79% 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	WATTS BAR UTILITY DISTRICT serves 16,253 people · EPA ID TN0000872
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
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 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

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