560 Riverwatch Trce, Sparta, TN 38583 Property Records

DeKalb County property record for 560 Riverwatch Trce, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,051 sqft · built 2015
Lot Size	3.24 acres (141,134 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Sep 2012)
Tax Bill	$3,030 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021067 11000`

Property Details

APN / Parcel Number

Primary APN	`021067 11000`
Alternative APN	`067 11000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,051 sqft Living Area
1st Floor Area	3,051 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	141,134 sqft (3.24 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	3,340 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	870 sqft
Shed	1 Shed
Shed Area	200 sqft
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	560 RIVERWATCH TRCE
City	SPARTA
State	TN
Zip	38583-6690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14; SUBDIVISION: MOUNTAIN HARBOR COVES II
Legal Subdivision	MOUNTAIN HARBOR COVES II
Legal Lot Number	1
Jurisdiction	DE KALB TN
Township / Civil Division	5
Census Block Group	2
Census Block	2041
Census Tract	920101

Owner

560 Riverwatch Trce is owned and occupied by two individuals who bought it in September 2012.

Source: DeKalb County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Dec 29, 2025	Deed of Trust, Mortgage MUTUAL OF OMAHA MORTGAGE
Dec 22, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2012 · Amount on File
Deed Sale	Sep 28, 2012 · Amount on File
Prior Sale	Oct 16, 2004 · Amount on File
Deed Book / Page	349 / 1
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690

Mortgage

Document Number	0006100000000603
Date	Dec 29, 2025
Book Page	0000000610/0000000603
Instrument	222334

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2046

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690

Mortgage

Document Number	0005130000000906
Date	Dec 22, 2021
Book Page	0000000513/0000000906
Instrument	201276

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	560 RIVERWATCH TRCE, SPARTA, TN 38583-6690
Document Number	0000193965
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 RIVERWATCH TRCE SPARTA TN 385836690, SPARTA, TN 38583-6690

Mortgage

Document Number	0000193965
Date	Sep 28, 2020
Book Page	000476/000047
Instrument	193965

Lender

Name	USAA FED'L SVGS BK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 560 Riverwatch Trce was $3,030.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,030.00	$120,700 Land $14,925 Building $105,775
2023		$120,700 (-) Land $14,925 Building $105,775
2022	$2,089.00	$120,700 Land $14,925 Building $105,775	$482,800 (-) Land $59,700 Building $423,100
2021			$482,800 Land $59,700 Building $423,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 560 Riverwatch Trce in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

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 560 Riverwatch Trce is low, with a 0.02% 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	0.02% 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	DEWHITE UTILITY DISTRICT serves 8,467 people · EPA ID TN0000190
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 16 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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