495 Heady Rd, Sparta, TN 38583 Property Records

White County property record for 495 Heady Rd, Sparta, TN 38583

Property Summary

Property Type	Mobile Home
Details	2 ba · 980 sqft · built 1985
Lot Size	3.07 acres (134,165 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Jul 2020)
Tax Bill	$325 (2025)
Deeds & Mortgages	Jul 2020 Sale Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093008 01800`

Property Details

APN / Parcel Number

Primary APN	`093008 01800`
Alternative APN	`008 01800`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	980 sqft Living Area
1st Floor Area	1,080 sqft
Upper Floors Area	840 sqft
Attic Area	840 sqft

Exterior

Year Built	Built 1985
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Metal
Lot Area	134,165 sqft (3.07 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	348 sqft
Shed	1 Shed
Shed Area	300 sqft
Pole Barn	1,680 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	495 HEADY RD
City	SPARTA
State	TN
Zip	38583-5347
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DISTRICT: 4
Jurisdiction	WHITE TN
Township / Civil Division	3
Census Block Group	1
Census Block	1017
Census Tract	935100

Owner

495 Heady Rd, a mobile home, is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	495 HEADY RD, SPARTA, TN 38583-5347
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 13, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 11, 2019	Warranty Deed, Transfer MORTGAGE INVTRS
May 10, 2019	Warranty Deed, Transfer · Commercial Mortgage PROGRESSIVE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Prior Sale	Sep 11, 2019 · Amount on File
Deed Document Number	20002683
Deed Book / Page	RB459 / 510
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Jul 13, 2020
Property Address	495 HEADY RD, SPARTA, TN 38583-5347
Document Number	0000002683
Book / Page	000459 / 000510
Instrument Date	Jul 8, 2020
Instrument	2683
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$241.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	495 HEADY RD SPARTA TN 385835347, SPARTA, TN 38583-5347

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	Sep 11, 2019
Property Address	495 HEADY RD, SPARTA, TN 38583-5347
Document Number	0000003256
Book / Page	000440 / 000390
Instrument Date	Sep 10, 2019
Instrument	3256
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$603.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	495 HEADY RD SPARTA TN 385835347, SPARTA, TN 38583-5347

Mortgage

Document Number	3257
Date	Sep 11, 2019
Book Page	000440/000392
Instrument	3257

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 10, 2019
Property Address	495 HEADY RD, SPARTA, TN 38583-5347
Document Number	0RB433/677
Book / Page	RB433 / 677
Instrument Date	May 3, 2019
Instrument	19001647
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 FREEDOM TRL, SPARTA, TN 38583-1427

Mortgage

Document Number	0019001648
Date	May 10, 2019
Instrument	19001648

Lender

Name	PROGRESSIVE SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 7, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 495 Heady Rd was $325.

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	$325.00	$23,025 Land $10,950 Building $12,075	$92,100 Land $43,800 Building $48,300
2023		$17,175 Land $8,250 Building $8,925
2021	$251.00
2020			$68,700 Land $33,000 Building $35,700

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

FEMA maps place 495 Heady Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 495 Heady Rd is low, with a 0.03% 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	0.03% 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	O'CONNOR UTILITY DISTRICT serves 10,344 people · EPA ID TN0000526
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2024
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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Heady Rd

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