Clay County property record for 581 Spence Ln, Hilham, TN 38568
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 612 sqft · built 2005 |
| Lot Size | 2.68 acres (116,741 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $49,500 (Apr 2016) |
| Tax Bill | $424 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 014087 00322 |
| Primary APN | 014087 00322 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 612 sqft Living Area |
| 1st Floor Area | 528 sqft |
| Upper Floors Area | 280 sqft |
| Attic Area | 600 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 116,741 sqft (2.68 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 581 SPENCE LN |
|---|---|
| City | HILHAM |
| State | TN |
| Zip | 38568-5651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 03 CABIN 2 - SPENCE LANE, COUNTY AREA: R01 |
| Legal Subdivision | PART OF TR # 5 |
| Legal Tract | 5 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 955000 |
Source: Clay County records, as of January 26, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 761 MAHON RD, COLUMBIA, TN 38401-8807 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2016 · Amount on Record |
| Deed Sale | Apr 28, 2016 · Amount on Record |
| Prior Sale | Jul 9, 2010 · Amount on Record |
| Deed Document Number | 16000420 |
| Deed Book / Page | 105 / 486 |
| Record Updated | Jun 8, 2026 |
Source: Clay County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $424.00 (+4.43%) | $16,325 (+4.65%) Land $4,125 Building $12,200 | |
| 2023 | $15,600 (-) Land $4,125 Building $11,475 | ||
| 2022 | $406.00 | $15,600 Land $4,125 Building $11,475 | $65,300 Land $16,500 Building $48,800 |
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.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 Policies | 1 in force |
| Nearby Flood Claims | 2 (2021–2025) |
| Most Recent Claim | Mar 2025 · 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.
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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Twin Lakes Fiber | 8,000 / 8,000 |
No cell data coverage reported
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