625 Red Cloud Trl, Spring City, TN 37381 Property Records

Rhea County property record for 625 Red Cloud Trl, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,566 sqft · built 1987
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Company Names on Record
Last Sale	$222,500 (Aug 2019)
Tax Bill	$921 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072020I C 01200`

Property Details

APN / Parcel Number

Primary APN	`072020I C 01200`
Alternative APN	`020I C 01200`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,566 sqft
Basement Area	1,566 sqft
Unfinished Basement	1,566 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	63,598 sqft (1.46 acres)
Lot Dimensions	200 ft deep x 319 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	200 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	625 RED CLOUD TRL
City	SPRING CITY
State	TN
Zip	37381-6104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1; SUBDIVISION: WATTS BAR ESTATES
Legal Subdivision	WATTS BAR ESTATES UNIT 2
Legal Lot Number	74
Jurisdiction	RHEA TN
Township / Civil Division	1
Census Block Group	3
Census Block	3047
Census Tract	975000

Owner

Source: Rhea County records, as of January 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Jun 2, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 19, 2019	Warranty Deed, Transfer · VA Mortgage F&M BK
Oct 12, 2018	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Feb 2, 2018	Warranty Deed, Transfer · VA Mortgage GATEWAY MTG
Feb 27, 2017	Warranty Deed, Construction Loan · Construction Mortgage CHARTERBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2019 · Amount on Record
Deed Sale	Aug 19, 2019 · Amount on Record
Prior Sale	Feb 2, 2018 · Amount on Record
Deed Document Number	201912452
Deed Book / Page	477 / 342
Last Transfer Date	Aug 6, 2024
Transfer Doc	0000024755
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104

Mortgage

Document Number	0000020687
Date	Oct 2, 2023
Book Page	698/633
Instrument	23020687

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 19, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Document Number	0000002149
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 RED CLOUD TRL SPRING CITY TN 373816104, SPRING CITY, TN 37381-6104

Mortgage

Document Number	0000002149
Date	Jun 12, 2020
Book Page	000629/000179
Instrument	2149

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Aug 19, 2019
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Document Number	0000012452
Book / Page	000477 / 000342
Instrument Date	Aug 9, 2019
Instrument	12452
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	CHAPMAN AND ROSENTHAL TITLE INC, CHAPMAN & ROSENTHAL TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$823.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	625 RED CLOUD TRL SPRING CITY TN 373816104, SPRING CITY, TN 37381-6104

Mortgage

Document Number	12453
Date	Aug 19, 2019
Book Page	000614/000320
Instrument	12453

Lender

Name	F&M BK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Document Number	0000008572
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 29, 2018
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED CLOUD TRL SPRING CITY TN 373816104, SPRING CITY, TN 37381-6104

Mortgage

Document Number	0000008572
Date	Oct 19, 2018
Book Page	000601/000589
Instrument	8572

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Feb 2, 2018
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Document Number	0000004962
Book / Page	000463 / 000527
Instrument Date	Jan 29, 2018
Instrument	4962
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	CROSSLAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 RED CLOUD TRL SPRING CITY TN 373816104, SPRING CITY, TN 37381-6104

Mortgage

Document Number	4963
Date	Feb 2, 2018
Book Page	000588/000641
Instrument	4963

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

February 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	RHEA TN
Recording Date	Feb 27, 2017
Property Address	625 RED CLOUD TRL, SPRING CITY, TN 37381-6104
Document Number	0000000683
Book / Page	00045 / 000819
Instrument Date	Feb 13, 2017
Instrument	683
Transaction Type	Construction Loan
Record Updated	Aug 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 SHANNON DR LAGRANGE GA 302411527, LAGRANGE, GA 30241-1527

Mortgage

Document Number	684
Date	Feb 27, 2017
Book Page	000574/000328
Instrument	684

Lender

Name	CHARTERBANK
Type	Bank
Address	WEST POINT, GA 31833

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 26, 2018

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$921.00 (-0.11%)	$68,275 (+63.24%) Land $10,025 Building $58,250
2024			$273,100 (+63.24%) Land $40,100 Building $233,000
2022		$41,825 Land $8,325 Building $33,500	$167,300 Land $33,300 Building $134,000
2021	$922.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	21 (1982–2019)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 5 claims Severe Storms And Flooding, Sep 2004 · 10 claims Severe Storms & Flooding, Dec 1990 · 4 claims

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	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% 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	NORTH U.D. OF RHEA COUNTY serves 3,640 people · EPA ID TN0000970
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
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	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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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