498 Wayne Smith Rd, Spring City, TN 37381 Property Records

Rhea County property record for 498 Wayne Smith Rd, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 1,912 sqft · built 2019
Lot Size	9.27 acres (403,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,096 (Nov 2017)
Tax Bill	$1,656 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`072030 03206`

Property Details

APN / Parcel Number

Primary APN	`072030 03206`
Alternative APN	`030 03206`

Interior

Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,912 sqft
Basement Area	1,912 sqft
Unfinished Basement	1,912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	403,801 sqft (9.27 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	283 sqft
Deck Area	115 sqft
Patio Area	115 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	498 WAYNE SMITH RD
City	SPRING CITY
State	TN
Zip	37381-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	RHEA TN
Township / Civil Division	2
Census Block Group	3
Census Block	3022
Census Tract	975100

Owner

Source: Rhea County records, as of January 27, 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	2 Individual Names on Record
Mailing Address	152 ISAACS LN, SPRING CITY, TN 37381-6522
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 8, 2020	Deed of Trust, Mortgage FARM CREDIT SVCS
Jul 23, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FARM CREDIT SVCS
Nov 13, 2017	Warranty Deed, Transfer · Conventional with PMI FARM CREDIT SVCS
Oct 23, 2017	Warranty Deed, Transfer DANIEL & LEE L SMITH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Prior Sale	Oct 23, 2017 · Amount on Record
Deed Document Number	20173999
Deed Book / Page	461 / 610
Transfer Doc	0000065569
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	498 WAYNE SMITH RD, SPRING CITY, TN 37381-5227
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011693
Date	Jan 10, 2022
Book Page	T666/667
Instrument	22011693

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	498 WAYNE SMITH RD, SPRING CITY, TN 37381-5227
Document Number	0000001755
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 WAYNE SMITH RD SPRING CITY TN 373815227, SPRING CITY, TN 37381-5227

Mortgage

Document Number	0000001755
Date	May 13, 2020
Book Page	000627/000456
Instrument	1755

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	DAYTON, TN 37321

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 12, 2050

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	RHEA TN
Recording Date	Jul 23, 2019
Property Address	498 WAYNE SMITH RD, SPRING CITY, TN 37381-5227
Book / Page	000613 / 000076
Instrument Date	Jul 23, 2019
Instrument	12056
Transaction Type	Construction Loan
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 ISAACS LN SPRING CITY TN 373816522, SPRING CITY, TN 37381-6522

Mortgage

Document Number	0000012056
Date	Jul 23, 2019
Book Page	000613/000076
Instrument	12056

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MAYFIELD, KY 42066-0309

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 22, 2020

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Nov 13, 2017
Property Address	498 WAYNE SMITH RD, SPRING CITY, TN 37381-5227
Document Number	0000003999
Book / Page	000461 / 000610
Instrument Date	Nov 8, 2017
Instrument	3999
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
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	372 ARBOR POINTE TRL DAYTON TN 373214444, DAYTON, TN 37321-4444

Mortgage

Document Number	4000
Date	Nov 13, 2017
Book Page	000585/000315
Instrument	4000

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MAYFIELD, KY 42066-0309

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Nov 12, 2027

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Oct 23, 2017
Property Address	498 WAYNE SMITH RD, SPRING CITY, TN 37381-5227
Document Number	0000003727
Book / Page	000461 / 000120
Instrument Date	Oct 23, 2017
Instrument	3727
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$122.04
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	152 ISAACS LN SPRING CITY TN 373816522, SPRING CITY, TN 37381-6522

Mortgage

Document Number	3728
Date	Oct 23, 2017
Book Page	000584/000378
Instrument	3728

Lender

Name	DANIEL & LEE L SMITH
Address	3708 W ABERCROMBIE CIR, CHATTANOOGA, TN 37415-4406
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 22, 2022

Tax Assessment & Valuation

Source: Rhea County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,656.00	$122,800 (-) Land $15,550 Building $107,250
2024	$1,656.00 (+5.54%)	$122,800 (+76.44%) Land $15,550 Building $107,250	$491,200 (+76.44%) Land $62,200 Building $429,000
2022		$69,600 Land $12,900 Building $56,700	$278,400 Land $51,600 Building $226,800
2021	$1,569.00

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 November 27, 2025 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 72% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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