415 Gaines St, Sparta, TN 38583 Property Records

White County property record for 415 Gaines St, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,014 sqft · built 1944
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$398,000 (Nov 2023)
Tax Bill	$1,342 (2021)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093059F C 01100`

Property Details

APN / Parcel Number

Primary APN	`093059F C 01100`
Alternative APN	`059F C 01100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	3,014 sqft Living Area
1st Floor Area	1,884 sqft
Upper Floors Area	1,884 sqft
Basement Area	1,884 sqft
Unfinished Basement	1,884 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	270 ft deep x 95 ft wide
Porch	Open Porch
Porch Area	316 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 GAINES ST
City	SPARTA
State	TN
Zip	38583-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	DISTRICT: 1
Legal Block	18S
Jurisdiction	WHITE TN
Township / Civil Division	1
Census Block Group	1
Census Block	1039
Census Tract	935400

Owner

415 Gaines St is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	415 GAINES ST, SPARTA, TN 38583-2124
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 16, 2023	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
May 25, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jun 16, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST VOLUNTEER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2023 · Amount on File
Deed Sale	Nov 16, 2023 · Amount on File
Prior Sale	May 25, 2022 · Amount on File
Deed Document Number	23004432
Deed Book / Page	RB542 / 488
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Nov 16, 2023
Property Address	415 GAINES ST, SPARTA, TN 38583-2124
Document Number	0RB542/488
Book / Page	RB542 / 488
Instrument Date	Nov 9, 2023
Instrument	23004432
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,472.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 GAINES ST, SPARTA, TN 38583-2124

Mortgage

Document Number	0023004433
Date	Nov 16, 2023
Instrument	23004433

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 25, 2022
Property Address	415 GAINES ST, SPARTA, TN 38583-2124
Document Number	0RB510/141
Book / Page	RB510 / 141
Instrument Date	May 18, 2022
Instrument	22002557
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 GAINES ST, SPARTA, TN 38583-2124

Mortgage

Document Number	0022002558
Date	May 25, 2022
Instrument	22002558

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 16, 2017
Property Address	415 GAINES ST, SPARTA, TN 38583-2124
Document Number	0RB398/731
Book / Page	RB398 / 731
Instrument Date	Jun 8, 2017
Instrument	17002035
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 GAINES ST, SPARTA, TN 38583-2124

Mortgage

Document Number	0017002036
Date	Jun 16, 2017
Instrument	17002036

Lender

Name	FIRST VOLUNTEER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2032

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		$119,825 Land $5,625 Building $114,200	$479,300 Land $22,500 Building $456,800
2023		$74,900 (+65.62%) Land $3,125 Building $71,775
2022		$45,225 Land $3,125 Building $42,100	$180,900 Land $12,500 Building $168,400
2021	$1,342.00
2020			$299,600 Land $12,500 Building $287,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 415 Gaines St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 415 Gaines St is low, with a 0.02% annual chance of 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	0.02% 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	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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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