445 Riverchase Dr, Sparta, TN 38583 Property Records

White County property record for 445 Riverchase Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,594 sqft · built 2006
Lot Size	2.39 acres (104,108 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Sep 2012)
Tax Bill	$2,598 (2021)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093059 09706`

Property Details

APN / Parcel Number

Primary APN	`093059 09706`
Alternative APN	`059 09706`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,594 sqft Living Area
1st Floor Area	2,218 sqft
Upper Floors Area	626 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,108 sqft (2.39 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	810 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	684 sqft
Porch	Open Porch
Porch Area	448 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	445 RIVERCHASE DR
City	SPARTA
State	TN
Zip	38583-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1
Legal Subdivision	HUNTERS POINTE 05
Jurisdiction	WHITE TN
Township / Civil Division	1
Census Block Group	2
Census Block	2036
Census Tract	935300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF TENNESSEE
Jan 25, 2021	Deed of Trust, Mortgage FIRST NATIONAL BANK OF TENNESSEE
Dec 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2012 · Amount on Record
Deed Sale	Sep 7, 2012 · Amount on Record
Prior Sale	Sep 7, 2012 · Amount on Record
Deed Document Number	0RB318/437
Deed Book / Page	RB318 / 437
Last Transfer Date	Dec 28, 2020
Transfer Doc	0000005291
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408

Mortgage

Document Number	0RB506/870
Date	Apr 13, 2022
Book Page	RB506/870
Instrument	22001804

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408

Mortgage

Document Number	0RB472/866
Date	Jan 25, 2021
Book Page	RB472/866
Instrument	21000335

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	SPARTA, TN 38583

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Dec 28, 2020
Property Address	445 RIVERCHASE DR, SPARTA, TN 38583-2408
Document Number	0000005291
Book / Page	000470 / 000810
Instrument Date	Dec 21, 2020
Instrument	5291
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RIVERCHASE DR SPARTA TN 385832408, SPARTA, TN 38583-2408

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		$135,300 (+54.63%) Land $14,575 Building $120,725	$541,200 (+54.63%) Land $58,300 Building $482,900
2023		$87,500 Land $9,575 Building $77,925
2021	$2,598.00
2020			$350,000 Land $38,300 Building $311,700

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 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

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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