421 Spotted Saddle Ct, Murfreesboro, TN 37129 Property Records

Rutherford County property record for 421 Spotted Saddle Ct, Murfreesboro, TN 37129

Property Summary

Property Type	Single Family Home
Details	2,574 sqft · built 2021
Lot Size	0.254 acres (11,055 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Dec 2021)
Tax Bill	$3,279 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058K-B-101.00-000`

Property Details

APN / Parcel Number

Primary APN	`058K-B-101.00-000`
Alternative APNs	`058K B 10100` `R0128343`

Interior

Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,574 sqft Living Area
1st Floor Area	1,624 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	11,055 sqft (0.254 acres)
Lot Dimensions	150 ft deep x 73.6 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	R0128343
Street Address	421 SPOTTED SADDLE CT
City	MURFREESBORO
State	TN
Zip	37129-5142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 101 CAROLINE FARMS SEC 2 PB 45 PG 29
Legal Subdivision	CAROLINE FARMS SEC 2
Legal Lot Number	101
Jurisdiction	RUTHERFORD TN
Township / Civil Division	14
Census Block Group	1
Census Block	1016
Census Tract	41000

Owner

421 Spotted Saddle Ct is owned and occupied by two individuals who bought it in December 2021.

Source: Rutherford County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 SPOTTED SADDLE CT, MURFREESBORO, TN 37129-5142
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	Dec 8, 2021 · Amount on File
Deed Sale	Dec 8, 2021 · Amount on File
Deed Document Number	20212410072
Deed Book / Page	2179 / 3365
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Dec 8, 2021
Property Address	421 SPOTTED SADDLE CT, MURFREESBORO, TN 37129-5142
Document Number	0021793365
Book / Page	2179 / 3365
Map Reference	MB 45 PG 29
Instrument Date	Dec 3, 2021
Instrument	2410072
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2022
Title Company	NOT AVAILABLE, PREMIER LAND TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,794.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SPOTTED SADDLE CT, MURFREESBORO, TN 37129-5142

Mortgage

Document Number	0021793368
Date	Dec 8, 2021
Instrument	2179-3368

Lender

Name	CLEARPATH LENDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 421 Spotted Saddle Ct was $3,279.

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Rutherford County
Municipality	Murfreesboro City
Elementary School District	Murfreesboro City School District (PK - 06)
Secondary School District	Rutherford County School District in Murfreesboro (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$135,025 (+16.28%) Land $30,000 Building $105,025	$540,100 Land $120,000 Building $420,100
2025	$3,279.00	$116,125 Land $18,750 Building $97,375
2023	$3,285.00	$116,125 Land $18,750 Building $97,375	$464,500 (+0.19%) Land $75,000 Building $389,500
2022			$463,600 Land $75,000 Building $388,600

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 421 Spotted Saddle Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019 · rainfall accumulation

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 421 Spotted Saddle Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MURFREESBORO WATER DEPARTMENT serves 114,331 people · EPA ID TN0000491
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2023
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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20