475 Riverchase Dr, Sparta, TN 38583 Property Records

White County property record for 475 Riverchase Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,299 sqft · built 1992
Lot Size	6.5 acres (283,140 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jun 2021)
Tax Bill	$2,339 (2021)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093059 09703`

Property Details

APN / Parcel Number

Primary APN	`093059 09703`
Alternative APN	`059 09703`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,299 sqft Living Area
1st Floor Area	2,299 sqft
Basement Area	2,299 sqft
Unfinished Basement	2,299 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	283,140 sqft (6.5 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	475 RIVERCHASE DR
City	SPARTA
State	TN
Zip	38583-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	DISTRICT: 1; SUBDIVISION: HUNTERS POINT SUBDIVISION; LOT: 6
Legal Subdivision	HUNTERS POINT SUBDIVISION
Legal Lot Number	6
Jurisdiction	WHITE TN
Township / Civil Division	1
Census Block Group	2
Census Block	2036
Census Tract	935300

Owner

475 Riverchase Dr is owned and occupied by two individuals who bought it in June 2021.

Source: White County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Oct 22, 2020	Deed of Trust, Mortgage · Line of Credit ORNL FCU
Jun 11, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Jan 8, 2018	Warranty Deed, Transfer ORNL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Prior Sale	Oct 7, 1991 · Amount on File
Deed Document Number	20212766
Deed Book / Page	483 / 440
Transfer Doc	00000371/4
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408

Mortgage

Document Number	0RB466/700
Date	Oct 22, 2020
Book Page	RB466/700
Instrument	20004333

Lender

Name	ORNL FCU
Type	Credit Union
Address	OAK RIDGE, TN 37831

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jun 11, 2021
Property Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408
Document Number	0RB483/440
Book / Page	RB483 / 440
Map Reference	MB 1 PG 206 SL 103
Instrument Date	Jun 4, 2021
Instrument	21002766
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408

Mortgage

Document Number	0021002767
Date	Jun 11, 2021
Instrument	21002767

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jan 8, 2018
Property Address	475 RIVERCHASE DR, SPARTA, TN 38583-2408
Document Number	0000000103
Book / Page	000409 / 000145
Instrument Date	Jan 3, 2018
Instrument	103
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 RIVERCHASE DR SPARTA TN 385832408, SPARTA, TN 38583-2408

Mortgage

Document Number	104
Date	Jan 8, 2018
Book Page	000409/000148
Instrument	104

Lender

Name	ORNL FCU
Type	Credit Union
Address	OAK RIDGE, TN 37830

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 7, 2038

Tax Assessment & Valuation

Source: White County assessment roll, as of January 26, 2026

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		$149,300 Land $31,925 Building $117,375	$597,200 Land $127,700 Building $469,500
2023		$78,800 Land $17,900 Building $60,900
2021	$2,339.00
2020			$315,200 Land $71,600 Building $243,600

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 475 Riverchase Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 475 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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