Van Buren County property record for 489 Spring St, Spencer, TN 38585
| Property Type | Bank, Financial Building |
|---|---|
| Details | 3.5 ba · 6,326 sqft · built 2006 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Company Name on Record |
| Last Sale | $60,000 (Jan 1996) |
| Tax Bill | $10,680 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 088030B B 00500 |
| Primary APN | 088030B B 00500 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 6,326 sqft Total Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Metal |
| Roof Type | Wood Truss |
| Roof Material | Composition Shingle |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Dimensions | 211 ft deep x 143 ft wide |
| Patio Area | 196 sqft |
| Canopy | 920 sqft |
| Utility Building | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 489 SPRING ST |
|---|---|
| City | SPENCER |
| State | TN |
| Zip | 38585-3031 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | DISTRICT: 01 GIS 2000 1-30G-21.02, COUNTY AREA: S10 |
| Jurisdiction | VAN BUREN TN |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 925200 |
Source: Van Buren County records, as of January 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 158, SPENCER, TN 38585-0158 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 1996 · Amount on Record |
| Deed Sale | Jan 19, 1996 · Amount on Record |
| Prior Sale | Jul 29, 1992 · Amount on Record |
| Deed Book / Page | 5 / 159 |
| Record Updated | Sep 20, 2026 |
Source: Van Buren County assessment roll, as of January 26, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Van Buren County |
| Municipality | Spencer City |
| Unified School District | Van Buren County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,680.00 | $445,000 (-) Land $28,000 Building $417,000 | |
| 2024 | $445,000 (-) Land $28,000 Building $417,000 | ||
| 2023 | $10,680.00 | $445,000 (-) Land $28,000 Building $417,000 | |
| 2022 | $10,680.00 | $445,000 Land $28,000 Building $417,000 | $1,112,500 (-) Land $70,000 Building $1,042,500 |
| 2021 | $1,112,500 Land $70,000 Building $1,042,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 2 (2013–2019) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 63% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WARREN COUNTY U.D. #2 serves 5,611 people · EPA ID TN0000655 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026 |
|---|---|
| Treatment and Procedure | No certified operator Sep 2018 Coliform assessment Sep 2018 Organic carbon removal Jul 2018 |
| 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.
Source: FCC Broadband Data Collection, based on 48 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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