460 Vandy Cir, Sparta, TN 38583 Property Records

White County property record for 460 Vandy Cir, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,302 sqft · built 1997
Lot Size	0.374 acres (16,300 sqft)
Owner	Individual Name on Record
Last Sale	$16,000 (Oct 2019)
Tax Bill	$844 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Aug 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`093051I B 01300`

Property Details

APN / Parcel Number

Primary APN	`093051I B 01300`
Alternative APN	`051I B 01300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,302 sqft Living Area
1st Floor Area	1,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,300 sqft (0.374 acres)
Lot Dimensions	163 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	460 VANDY CIR
City	SPARTA
State	TN
Zip	38583-2954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: RIMROCK MESA S/D; LOT: 63
Legal Subdivision	RIMROCK MESA S/D
Legal Lot Number	63 100
Jurisdiction	WHITE TN
Township / Civil Division	4
Census Block Group	3
Census Block	3067
Census Tract	935000

Owner

Source: White 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
Mailing Address	460 VANDY CIR, SPARTA, TN 38583-2954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Aug 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Jul 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Mar 24, 2020	Deed of Trust, Mortgage · Conventional with PMI RELIANCE FIRST CAP
Oct 31, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Jul 31, 2018 · Amount on Record
Deed Document Number	19003948
Deed Book / Page	RB443 / 477
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	460 VANDY CIR, SPARTA, TN 38583-2954
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 VANDY CIR, RAVENSCROFT, TN 38583-2954

Mortgage

Document Number	0RB535/535
Date	Jul 24, 2023
Book Page	RB535/535
Instrument	23002810

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	460 VANDY CIR, SPARTA, TN 38583-2954
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 VANDY CIR, SPARTA, TN 38583-2954

Mortgage

Document Number	00RB580/45
Date	Aug 8, 2025
Book Page	RB580/45
Instrument	25002946

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	460 VANDY CIR, SPARTA, TN 38583-2954
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 VANDY CIR, SPARTA, TN 38583-2954

Mortgage

Document Number	0RB556/715
Date	Jul 29, 2024
Book Page	RB556/715
Instrument	24002712

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	460 VANDY CIR, SPARTA, TN 38583-2954
Document Number	0000001237
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	TIMIOS INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 VANDY CIR SPARTA TN 385832954, SPARTA, TN 38583-2954

Mortgage

Document Number	0000001237
Date	Apr 3, 2020
Book Page	000452/000717
Instrument	1237

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	216 Months
Due	Apr 2, 2038

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Oct 31, 2019
Property Address	460 VANDY CIR, SPARTA, TN 38583-2954
Document Number	0000003948
Book / Page	000443 / 000477
Instrument Date	Oct 30, 2019
Instrument	3948
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$59.20
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 854 SPARTA TN 385830854, SPARTA, TN 38583-0854

Tax Assessment & Valuation

Source: White County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$844.00 (+38.59%)	$59,850 (+101.52%) Land $6,250 Building $53,600	$239,400 (+101.52%) Land $25,000 Building $214,400
2024	$609.00	$29,700 (-) Land $3,250 Building $26,450
2023		$29,700 Land $3,250 Building $26,450
2021	$609.00
2020			$118,800 Land $13,000 Building $105,800

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

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 Claims	1 (2015)
Most Recent Claim	Jun 2015 · other causes

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 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.08% 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	BON DE CROFT UTILITY DISTRICT serves 4,577 people · EPA ID TN0000653
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 35 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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