405 Vandy Cir, Sparta, TN 38583 Property Records

White County property record for 405 Vandy Cir, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,784 sqft · built 1975
Lot Size	0.826 acres (36,000 sqft)
Owner	Individual Name on Record
Last Sale	$134,900 (Apr 2008)
Tax Bill	$1,063 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093051I A 01800`

Property Details

APN / Parcel Number

Primary APN	`093051I A 01800`
Alternative APN	`051I A 01800`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,784 sqft Living Area
1st Floor Area	1,784 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,000 sqft (0.826 acres)
Lot Dimensions	180 ft deep x 200 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	405 VANDY CIR
City	SPARTA
State	TN
Zip	38583-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: RIMROCK MESA S/D; LOT: 54
Legal Subdivision	RIMROCK MESA S/D
Legal Lot Number	54,55
Jurisdiction	WHITE TN
Township / Civil Division	4
Census Block Group	3
Census Block	3056
Census Tract	935000

Owner

Source: White County records, as of August 20, 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
Mailing Address	405 VANDY CIR, SPARTA, TN 38583-3631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2008 · Amount on Record
Deed Sale	Apr 22, 2008 · Amount on Record
Prior Sale	Aug 28, 1979
Deed Book / Page	248 / 121
Transfer Doc	0000001704
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Recording Date	Aug 10, 2026
Property Address	405 VANDY CIR, SPARTA, TN 38583-3631
Document Number	0000003687
Book / Page	608 / 403
Instrument Date	Aug 4, 2026
Instrument	20263687
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 VANDY CIR, SPARTA, TN 38583-3631

Mortgage

Document Number	0000003687,
Date	Aug 10, 2026
Book Page	608/403
Instrument	20263687

Lender

Name	CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

Tax Assessment & Valuation

Source: White County assessment roll, as of January 26, 2026

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	$1,063.00 (+28.23%)	$75,375 (+86.46%) Land $10,000 Building $65,375	$301,500 (+86.46%) Land $40,000 Building $261,500
2023		$40,425 Land $8,750 Building $31,675
2021	$829.00
2020			$161,700 Land $35,000 Building $126,700

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 Claims	1 (2015)
Most Recent Claim	Jun 2015 · other causes

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	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.09% 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	BON DE CROFT UTILITY DISTRICT serves 4,577 people · EPA ID TN0000653
Water Source	Surface water
Last State Inspection	Oct 2025
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 42 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	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Vandy Cir

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