620 Cedar Ln, Sparta, TN 38583 Property Records

White County property record for 620 Cedar Ln, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,490 sqft · built 1992
Lot Size	1.77 acres (77,101 sqft)
Owner	Owner Name on File
Last Sale	$7,500 (Jul 1992)
Tax Bill	$1,875 (2021)
Deeds & Mortgages	Jan 2021 Reverse Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093049I C 05200`

Property Details

APN / Parcel Number

Primary APN	`093049I C 05200`
Alternative APN	`049I C 05200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,490 sqft Living Area
1st Floor Area	1,624 sqft
Upper Floors Area	1,444 sqft
Basement Area	1,624 sqft
Unfinished Basement	1,624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	77,101 sqft (1.77 acres)
Lot Dimensions	410 ft deep x 303 ft wide
Terrain	Low

Exterior Amenities

Porch	Open Porch
Porch Area	414 sqft
Deck Area	210 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 CEDAR LN
City	SPARTA
State	TN
Zip	38583-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	DISTRICT: 1
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	3
Census Block	3043
Census Tract	935300

Owner

The current owner of 620 Cedar Ln bought it in July 1992.

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

Owner of Record	Owner Name on File
Mailing Address	620 CEDAR LN, SPARTA, TN 38583-1505
Occupancy	Owner Occupied

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
Jan 27, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jan 9, 2021	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 1992 · Amount on File
Deed Sale	Jul 28, 1992 · Amount on File
Deed Document Number	0000211848
Deed Book / Page	211 / 848
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	620 CEDAR LN, SPARTA, TN 38583-1505
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 CEDAR LN, SPARTA, TN 38583-1505

Mortgage

Document Number	0000000402
Date	Jan 27, 2021
Book Page	RB473/129
Instrument	21000402

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	901 Months
Due	Feb 26, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.09%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Index	1-Year LIBOR

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	620 CEDAR LN, SPARTA, TN 38583-1505
Document Number	0000000403
Instrument Date	Jan 9, 2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 CEDAR LN SPARTA TN 385831505, SPARTA, TN 38583-1505

Mortgage

Document Number	0000000403
Date	Jan 27, 2021
Book Page	000473/000143
Instrument	403

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Jan 26, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.09%

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		$113,900 Land $14,150 Building $99,750	$455,600 Land $56,600 Building $399,000
2023		$63,150 Land $8,850 Building $54,300
2021	$1,875.00
2020			$252,600 Land $35,400 Building $217,200

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

Flood

FEMA maps place 620 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

Wildfire risk around 620 Cedar Ln is low, with a 0.01% 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	0.01% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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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