520 Winding Ln, Sparta, TN 38583 Property Records

White County property record for 520 Winding Ln, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,839 sqft · built 1969
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (May 2022)
Tax Bill	$1,488 (2021)
Deeds & Mortgages	Apr 2024 Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093059P A 01500`

Property Details

APN / Parcel Number

Primary APN	`093059P A 01500`
Alternative APN	`059P A 01500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,839 sqft
Basement Area	1,607 sqft
Finished Basement	770 sqft
Unfinished Basement	837 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2004
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	210 ft deep x 339 ft wide
Terrain	Rolling
Porch	Open Porch
Porch Area	520 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 WINDING LN
City	SPARTA
State	TN
Zip	38583-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	DISTRICT: 1; SUBDIVISION: RIVERSIDE S/D
Legal Subdivision	RIVERSIDE S/D
Jurisdiction	WHITE TN
Township / Civil Division	1
Census Block Group	1
Census Block	1010
Census Tract	935400

Owner

520 Winding Ln is owned and occupied by an individual who bought it in May 2022.

Source: White County records, as of January 23, 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	Individual Name on File
Mailing Address	520 WINDING LN, SPARTA, TN 38583-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 16, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 11, 2022	Correction Deed
Jan 11, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	Jun 20, 2016 · Amount on File
Deed Document Number	22002391
Deed Book / Page	RB509 / 392
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	520 WINDING LN, SPARTA, TN 38583-2405
Transaction Type	Mortgage
Record Updated	Apr 19, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 WINDING LN, SPARTA, TN 38583-2405

Mortgage

Document Number	0RB549/517
Date	Apr 4, 2024
Book Page	RB549/517
Instrument	24001146

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	458 Months
Due	Jun 1, 2062

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 16, 2022
Property Address	520 WINDING LN, SPARTA, TN 38583-2405
Document Number	0RB509/392
Book / Page	RB509 / 392
Map Reference	MB 1 PG 57
Instrument Date	May 13, 2022
Instrument	22002391
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,313.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 WINDING LN, SPARTA, TN 38583-2403

Mortgage

Document Number	0022002392
Date	May 16, 2022
Instrument	22002392

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	WHITE TN
Recording Date	May 11, 2022
Property Address	520 WINDING LN, SPARTA, TN 38583-2405
Document Number	00RB509/38
Book / Page	RB509 / 38
Map Reference	MB 1 PG 57
Instrument Date	Apr 28, 2022
Instrument	22002301
Record Updated	May 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 WINDING LN, SPARTA, TN 38583-2405

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	520 WINDING LN, SPARTA, TN 38583-2405
Transaction Type	Mortgage
Record Updated	Jan 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB499/716
Date	Jan 11, 2022
Book Page	RB499/716
Instrument	22000167

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

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

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		$94,275 Land $9,375 Building $84,900	$377,100 Land $37,500 Building $339,600
2023		$50,125 Land $7,500 Building $42,625
2021	$1,488.00
2020			$200,500 Land $30,000 Building $170,500

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 520 Winding Ln 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 520 Winding Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 30 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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