401 Spruce St, Mount Carmel, TN 37645 Property Records

Hawkins County property record for 401 Spruce St, Mount Carmel, TN 37645

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,407 sqft · built 1977
Lot Size	117 acres (5,096,520 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jul 2020)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037022A B 01200`

Property Details

APN / Parcel Number

Primary APN	`037022A B 01200`
Alternative APN	`022A B 01200`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,407 sqft Living Area
1st Floor Area	1,407 sqft
Basement Area	1,323 sqft
Finished Basement	702 sqft
Unfinished Basement	621 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1991
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,096,520 sqft (117 acres)
Lot Dimensions	193 ft deep x 116 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	42 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 SPRUCE ST
City	MT CARMEL
State	TN
Zip	37645-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07, COUNTY AREA: U01
Legal Subdivision	PONDEROSA EST
Legal Block	SEC 2
Legal Lot Number	10 115
Jurisdiction	HAWKINS TN
Township / Civil Division	1
Census Block Group	1
Census Block	1000
Census Tract	50602

Owner

401 Spruce St is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	401 SPRUCE ST, MT CARMEL, TN 37645-3330
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2020 · Amount on File
Deed Sale	Jul 10, 2020 · Amount on File
Prior Sale	Apr 1, 2009 · Amount on File
Deed Document Number	20004612
Deed Book / Page	1357 / 629
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAWKINS TN
Recording Date	Jul 10, 2020
Property Address	401 SPRUCE ST, MT CARMEL, TN 37645-3330
Document Number	0RB1357629
Book / Page	1357 / 629
Instrument Date	Jun 30, 2020
Instrument	20004612
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 SPRUCE ST, MOUNT CARMEL, TN 37645-3330

Mortgage

Document Number	RB20004613
Date	Jul 10, 2020
Instrument	20004613

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Hawkins County
Municipality	Mount Carmel Town
Unified School District	Hawkins County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$38,075 Land $5,225 Building $32,850
2023	$38,075 Land $5,225 Building $32,850
2021		$152,300 Land $20,900 Building $131,400

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

FEMA maps place 401 Spruce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective June 6, 2024 · 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	8 in force
Nearby Flood Claims	2 (2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims

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 401 Spruce St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	FIRST U.D. OF HAWKINS COUNTY serves 19,972 people · EPA ID TN0000109
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20