44 Murphy Ln, Spencer, TN 38585 Property Records

Van Buren County property record for 44 Murphy Ln, Spencer, TN 38585

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,152 sqft · built 1979
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$117,900 (Sep 2022)
Tax Bill	$496 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`088033 01505`

Property Details

APN / Parcel Number

Primary APN	`088033 01505`
Alternative APN	`033 01505`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	145 ft deep x 152 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	60 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	44 MURPHY LN
City	SPENCER
State	TN
Zip	38585-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03 WPP LLC MINERAL TRACT 46-2 MAR, COUNTY AREA: R03
Jurisdiction	VAN BUREN TN
Township / Civil Division	3
Census Block Group	2
Census Block	2033
Census Tract	925000

Owner

Source: Van Buren County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	44 MURPHY LN, SPENCER, TN 38585-4112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Sep 11, 2020	Warranty Deed, Transfer · USDA Mortgage BANK OF ENGLAND
Aug 1, 2018	Warranty Deed, Transfer FIRST FARMERS & COMMERCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on Record
Deed Sale	Sep 2, 2022 · Amount on Record
Prior Sale	Sep 11, 2020 · Amount on Record
Deed Document Number	22001341
Deed Book / Page	RB121 / 70
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Sep 2, 2022
Property Address	44 MURPHY LN, SPENCER, TN 38585-4112
Document Number	00RB121/70
Book / Page	RB121 / 70
Instrument Date	Aug 30, 2022
Instrument	22001341
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.23
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	44 MURPHY LN, SPENCER, TN 38585-4112

Mortgage

Document Number	0022001342
Date	Sep 2, 2022
Instrument	22001342

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Sep 11, 2020
Property Address	44 MURPHY LN, SPENCER, TN 38585-4112
Document Number	0RB106/747
Book / Page	RB106 / 747
Instrument Date	Sep 3, 2020
Instrument	20000910
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$284.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 MURPHY LN, SPENCER, TN 38585-4112

Mortgage

Document Number	0020000911
Date	Sep 11, 2020
Instrument	20000911

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Aug 1, 2018
Property Address	44 MURPHY LN, SPENCER, TN 38585-4112
Document Number	00RB95/438
Book / Page	RB95 / 438
Instrument Date	Jul 24, 2018
Instrument	18000801
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Tax	$55.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SPRING ST, PIKEVILLE, TN 37367-5624

Mortgage

Document Number	0018000802
Date	Aug 1, 2018
Instrument	18000802

Lender

Name	FIRST FARMERS & COMMERCIAL BANK

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Van Buren County
Unified School District	Van Buren County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$496.00	$20,650 (-) Land $1,625 Building $19,025
2024	$496.00 (+5.31%)	$20,650 (-) Land $1,625 Building $19,025
2023	$471.00	$20,650 (+5.22%) Land $1,625 Building $19,025
2022	$471.00	$19,625 Land $1,625 Building $18,000	$78,500 (-4.96%) Land $6,500 Building $72,000
2021			$82,600 Land $6,500 Building $76,100

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 April 19, 2010 · 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
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Oct 2021 · river or lake flooding

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 61% of the US · above 83% of Tennessee
Wildfire Likelihood	0.2% 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	FALL CREEK FALLS U.D. serves 5,434 people · EPA ID TN0000552
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BTC Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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