6345 Spera Pointe Xing, Hermitage, TN 37076 Property Records

Nashville-Davidson Metropolitan Government property record for 6345 Spera Pointe Xing, Hermitage, TN 37076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,058 sqft · built 2002
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$210,900 (May 2002)
Tax Bill	$3,617 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098-05-0B-038-00`

Property Details

APN / Parcel Number

Primary APN	`098-05-0B-038-00`
Alternative APN	`000209658`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,058 sqft Living Area
Gross Area	2,802 sqft
1st Floor Area	1,722 sqft
Upper Floors Area	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Raised
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	159 ft deep x 35 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6345 SPERA POINTE XING
City	HERMITAGE
State	TN
Zip	37076-3699
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS15
Legal Description	LOT 38 BAYPOINTE SUB PH 2
Legal Subdivision	BAYPOINTE
Legal Phase	2
Legal Lot Number	38
Jurisdiction	DAVIDSON TN
Township / Civil Division	12
Census Block Group	1
Census Block	1004
Census Tract	15633

Owner

6345 Spera Pointe Xing is owned and occupied by two individuals who bought it in May 2002.

Source: Nashville-Davidson Metropolitan Government records, as of June 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6345 SPERA POINTE XING, HERMITAGE, TN 37076-3699
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
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASCEND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2002 · Amount on File
Deed Sale	May 14, 2002 · Amount on File
Deed Document Number	200259114
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON TN
Property Address	6345 SPERA POINTE XING, HERMITAGE, TN 37076-3699
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000163316
Date	Dec 9, 2021
Instrument	20211209-0163316

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON TN
Property Address	6345 SPERA POINTE XING, HERMITAGE, TN 37076-3699
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007361
Date	Jan 21, 2020
Instrument	20200121-0007361

Lender

Name	ASCEND FCU
Type	Credit Union
Address	TULLAHOMA, TN 37388

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 6345 Spera Pointe Xing was $3,617.

Source: Nashville-Davidson Metropolitan Government assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County / Consolidated City	Nashville-Davidson Metropolitan Government
Unified School District	Metropolitan Nashville Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,617.00	$130,025 Land $25,250 Building $104,775	$520,100 Land $101,000 Building $419,100
2023	$2,531.00	$86,625 Land $17,250 Building $69,375
2021			$346,500 Land $69,000 Building $277,500

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

FEMA maps place 6345 Spera Pointe Xing in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 28, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force

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 6345 Spera Pointe Xing 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	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	METRO WATER SERVICES serves 789,969 people · EPA ID TN0000494
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 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	3 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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