5656 Cherry Creek Rd, Sparta, TN 38583 Property Records

White County property record for 5656 Cherry Creek Rd, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,215 sqft · built 1948
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Aug 2004)
Tax Bill	$706 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093008 01100`

Property Details

APN / Parcel Number

Primary APN	`093008 01100`
Alternative APN	`008 01100`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,215 sqft Living Area
1st Floor Area	972 sqft
Upper Floors Area	810 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft
Utility Room	Utility Room
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1996
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Carport
Garage Area	392 sqft
Carport	Carport
Carport Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	440 sqft
Patio Area	440 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5656 CHERRY CREEK RD
City	SPARTA
State	TN
Zip	38583-5342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4
Jurisdiction	WHITE TN
Township / Civil Division	3
Census Block Group	1
Census Block	1006
Census Tract	935100

Owner

5656 Cherry Creek Rd is owned and occupied by two individuals who bought it in August 2004.

Source: White County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5656 CHERRY CREEK RD, SPARTA, TN 38583-5342
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
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Sep 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WILSON BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2004 · Amount on File
Deed Sale	Aug 18, 2004 · Amount on File
Prior Sale	Feb 14, 1996 · Amount on File
Deed Book / Page	165 / 207
Transfer Doc	0013000087
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Recording Date	Aug 24, 2026
Property Address	5656 CHERRY CREEK RD, SPARTA, TN 38583-5342
Document Number	0000003915
Book / Page	609 / 479
Instrument Date	Jul 10, 2026
Instrument	20263915
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SUMMIT TITLE COMPANY, SUMMIT SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5656 CHERRY CREEK RD, SPARTA, TN 38583-5342

Mortgage

Document Number	0000003915,
Date	Aug 24, 2026
Book Page	609/479
Instrument	20263915

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	5656 CHERRY CREEK RD, SPARTA, TN 38583-5342
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB582/441
Date	Sep 12, 2025
Book Page	RB582/441
Instrument	25003454

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	5656 CHERRY CREEK RD, SPARTA, TN 38583-5342
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB469/392
Date	Nov 30, 2020
Book Page	RB469/392
Instrument	20004937

Lender

Name	WILSON BANK & TRUST
Type	Bank
Address	LEBANON, TN 37087

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 5656 Cherry Creek Rd was $706.

Source: White County assessment roll, as of January 26, 2026

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	$706.00	$50,075 Land $14,000 Building $36,075	$200,300 Land $56,000 Building $144,300
2023		$29,150 Land $10,200 Building $18,950
2021	$598.00
2020			$116,600 Land $40,800 Building $75,800

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

Flood

FEMA maps place 5656 Cherry Creek 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 5656 Cherry Creek Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.06% 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	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 6 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: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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