435 Riverchase Dr, Sparta, TN 38583 Property Records

White County property record for 435 Riverchase Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,086 sqft · built 2000
Lot Size	5.02 acres (218,671 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Oct 1998)
Tax Bill	$3,048 (2021)
Deeds & Mortgages	May 2022 Line of Credit Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`093059 09700`

Property Details

APN / Parcel Number

Primary APN	`093059 09700`
Alternative APN	`059 09700`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	3,086 sqft Living Area
1st Floor Area	2,700 sqft
Upper Floors Area	1,286 sqft
Basement Area	2,688 sqft
Unfinished Basement	2,688 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	218,671 sqft (5.02 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	574 sqft
Deck Area	238 sqft
Patio Area	382 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	435 RIVERCHASE DR
City	SPARTA
State	TN
Zip	38583-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	DISTRICT: 1; SUBDIVISION: HUNTERS POINT SUBDIVISION; LOT: 2
Legal Subdivision	HUNTERS POINT SUBDIVISION
Legal Lot Number	2
Jurisdiction	WHITE TN
Township / Civil Division	1
Census Block Group	2
Census Block	2036
Census Tract	935300

Owner

435 Riverchase Dr is owned and occupied by two individuals who bought it in October 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	435 RIVERCHASE DR, SPARTA, TN 38583-2408
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
May 25, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 10, 2018	Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 1998 · Amount on File
Deed Sale	Oct 20, 1998 · Amount on File
Prior Sale	Oct 13, 1998 · Amount on File
Deed Document Number	000RB49915
Deed Book / Page	RB49 / 915
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	435 RIVERCHASE DR, SPARTA, TN 38583-2408
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 RIVERCHASE DR, SPARTA, TN 38583-2408

Mortgage

Document Number	0RB510/174
Date	May 25, 2022
Book Page	RB510/174
Instrument	22002563

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 15, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	435 RIVERCHASE DR, SPARTA, TN 38583-2408
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB420/079
Date	Aug 10, 2018
Book Page	RB420/079
Instrument	18002683

Lender

Name	FIRST TENNESSEE BANK NA
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	335 Months
Due	Jul 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$190,825 Land $26,225 Building $164,600	$763,300 Land $104,900 Building $658,400
2023		$102,675 Land $15,775 Building $86,900
2021	$3,048.00
2020			$410,700 Land $63,100 Building $347,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 435 Riverchase Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 435 Riverchase Dr 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 37 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

Cell Coverage

5G (outdoors only) and 4G LTE

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