554 E Charlene Dr, Sparta, TN 38583 Property Records

White County property record for 554 E Charlene Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,667 sqft · built 1962
Lot Size	0.505 acres (22,000 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Dec 2015)
Tax Bill	$902 (2021)
Deeds & Mortgages	Sep 2024 Line of Credit Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093041L C 00700`

Property Details

APN / Parcel Number

Primary APN	`093041L C 00700`
Alternative APN	`041L C 00700`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,667 sqft Living Area
1st Floor Area	1,667 sqft
Basement Area	637 sqft
Finished Basement	637 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1993
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,000 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 110 ft wide
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	554 E CHARLENE DR
City	SPARTA
State	TN
Zip	38583-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	DISTRICT: 1; SUBDIVISION: WHISPERING HILLS S/D
Legal Subdivision	WHISPERING HILLS S/D
Legal Lot Number	29 30
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	3
Census Block	3021
Census Tract	935300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	554 E CHARLENE DR, SPARTA, TN 38583-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 18, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2015 · Amount on Record
Deed Sale	Dec 22, 2015 · Amount on Record
Prior Sale	Dec 22, 2015 · Amount on Record
Deed Document Number	0000004037
Deed Book / Page	000372 / 000425
Last Transfer Date	Oct 5, 2018
Transfer Doc	0000003444
Record Updated	Jun 8, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	554 E CHARLENE DR, SPARTA, TN 38583-1227
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 E CHARLENE DR, SPARTA, TN 38583-1227

Mortgage

Document Number	0RB559/631
Date	Sep 9, 2024
Book Page	RB559/631
Instrument	24003309

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	554 E CHARLENE DR, SPARTA, TN 38583-1227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000555
Date	Feb 18, 2020
Book Page	RB449/591
Instrument	20000555

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 23, 2035

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHITE TN
Recording Date	Oct 5, 2018
Property Address	554 E CHARLENE DR, SPARTA, TN 38583-1227
Document Number	0000003444
Book / Page	000423 / 000309
Instrument Date	Oct 5, 2018
Instrument	3444
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$313.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 E CHARLENE DR SPARTA TN 385831227, SPARTA, TN 38583-1227

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		$61,425 (+102.22%) Land $5,000 Building $56,425	$245,700 (+102.22%) Land $20,000 Building $225,700
2024		$30,375 (-) Land $2,750 Building $27,625
2023		$30,375 Land $2,750 Building $27,625
2021	$902.00
2020			$121,500 Land $11,000 Building $110,500

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2015–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2017 · rainfall accumulation

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% 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 69 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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