570 E Charlene Dr, Sparta, TN 38583 Property Records

White County property record for 570 E Charlene Dr, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,168 sqft · built 1965
Lot Size	0.918 acres (40,000 sqft)
Owner	Individual Name on Record
Last Sale	$79,700 (Jan 2005)
Tax Bill	$1,324 (2021)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093041L C 00400`

Property Details

APN / Parcel Number

Primary APN	`093041L C 00400`
Alternative APN	`041L C 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,168 sqft Living Area
1st Floor Area	2,168 sqft
Basement Area	1,320 sqft
Finished Basement	384 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,000 sqft (0.918 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	591 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	570 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; BLOCK: A
Legal Subdivision	WHISPERING HILLS S/D
Legal Block	A
Legal Lot Number	13 14
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	570 E CHARLENE DR, SPARTA, TN 38583-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Closed-End Mortgage SECURITY FEDERAL SVGS BANK
Nov 16, 2023	Deed of Trust, Mortgage · Line of Credit SECURITY FEDERAL SVGS BANK
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit SECURITY FSB/MCMINNVILLE TN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2005 · Amount on Record
Deed Sale	Jan 24, 2005 · Amount on Record
Prior Sale	Oct 1, 2001 · Amount on Record
Deed Document Number	00RB173773
Deed Book / Page	RB173 / 773
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	570 E CHARLENE DR, SPARTA, TN 38583-1227
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 E CHARLENE DR, SPARTA, TN 38583-1227

Mortgage

Document Number	0RB582/114
Date	Sep 9, 2025
Book Page	RB582/114
Instrument	25003395

Lender

Name	SECURITY FEDERAL SVGS BANK
Type	Bank
Address	MCMINNVILLE, TN 37110

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	66 Months
Due	Mar 5, 2031

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	570 E CHARLENE DR, SPARTA, TN 38583-1227
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 E CHARLENE DR, SPARTA, TN 38583-1227

Mortgage

Document Number	0RB542/531
Date	Nov 16, 2023
Book Page	RB542/531
Instrument	23004439

Lender

Name	SECURITY FEDERAL SVGS BANK
Type	Bank
Address	MCMINNVILLE, TN 37110

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	570 E CHARLENE DR, SPARTA, TN 38583-1227
Document Number	0000003497
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 E CHARLENE DR SPARTA TN 385831227, SPARTA, TN 38583-1227

Mortgage

Document Number	0000003497
Date	Oct 12, 2018
Book Page	000423/000478
Instrument	3497

Lender

Name	SECURITY FSB/MCMINNVILLE TN
Address	MCMINNVILLE, TN 37111-7027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$86,850 (+94.73%) Land $8,000 Building $78,850	$347,400 (+94.73%) Land $32,000 Building $315,400
2023		$44,600 Land $4,400 Building $40,200
2021	$1,324.00
2020			$178,400 Land $17,600 Building $160,800

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 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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