401 Cherry Rd, Sparta, TN 38583 Property Records

White County property record for 401 Cherry Rd, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,344 sqft · built 2004
Lot Size	1.59 acres (69,260 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Sep 2022)
Tax Bill	$1,088 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`093060 00403`

Property Details

APN / Parcel Number

Primary APN	`093060 00403`
Alternative APN	`060 00403`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	672 sqft
Unfinished Basement	672 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	69,260 sqft (1.59 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	472 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	401 CHERRY RD
City	SPARTA
State	TN
Zip	38583-4703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2046
Census Tract	935300

Owner

Source: White County records, as of January 23, 2026

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
Co-owner	Co-owner on Record
Mailing Address	401 CHERRY RD, SPARTA, TN 38583-4703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Oct 11, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 31, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jun 10, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST CUMBERLAND MORTGAGE LLC
Jun 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	Jun 29, 2020
Deed Document Number	22004332
Deed Book / Page	RB517 / 495
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Sep 19, 2022
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Document Number	0RB517/495
Book / Page	RB517 / 495
Instrument Date	Sep 13, 2022
Instrument	22004332
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHERRY RD, SPARTA, TN 38583-4703

Mortgage

Document Number	0022004334
Date	Sep 19, 2022
Instrument	22004334

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RB492/616
Date	Oct 11, 2021
Book Page	RB492/616
Instrument	21004818

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RB477/770
Date	Mar 31, 2021
Book Page	RB477/770
Instrument	21001471

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Oct 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002077
Date	Jun 10, 2019
Book Page	RB435/500
Instrument	19002077

Lender

Name	FIRST CUMBERLAND MORTGAGE LLC
Type	Non-Lending Institution
Address	CROSSVILLE, TN 38555

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Jun 29, 2020
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Document Number	0000002490
Book / Page	000458 / 000647
Instrument Date	Jun 27, 2020
Instrument	2490
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHERRY RD SPARTA TN 385834703, SPARTA, TN 38583-4703

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Mar 15, 2019
Property Address	401 CHERRY RD, SPARTA, TN 38583-4703
Document Number	0000000962
Book / Page	000430 / 000827
Instrument Date	Mar 14, 2019
Instrument	962
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 CHERRY RD SPARTA TN 385834703, SPARTA, TN 38583-4703

Tax Assessment & Valuation

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

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	$1,088.00 (+48.63%)	$77,175 (+72.46%) Land $5,100 Building $72,075	$308,700 (+72.46%) Land $20,400 Building $288,300
2023		$44,750 Land $3,675 Building $41,075
2021	$732.00
2020			$179,000 Land $14,700 Building $164,300

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

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	0.03% 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	DEWHITE UTILITY DISTRICT serves 8,467 people · EPA ID TN0000190
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 24 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

401 Cherry Rd, Sparta, TN 38583 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cherry Rd

Nearby Streets

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