640 Spring Dr, Camden, TN 38320 Property Records

Benton County property record for 640 Spring Dr, Camden, TN 38320

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,529 sqft · built 1986
Lot Size	5.46 acres (237,838 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,311 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003089 02707`

Property Details

APN / Parcel Number

Primary APN	`003089 02707`
Alternative APN	`089 02707`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,529 sqft Living Area
1st Floor Area	1,529 sqft
Basement Area	1,431 sqft
Unfinished Basement	1,431 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	237,838 sqft (5.46 acres)
Garage Type	Finished
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	282 sqft
Deck Area	360 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	640 SPRING DR
City	CAMDEN
State	TN
Zip	38320-7827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: A50
Jurisdiction	BENTON TN
Township / Civil Division	3
Census Block Group	3
Census Block	3079
Census Tract	963400

Owner

Source: Benton County records, as of December 23, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	640 SPRING DR, CAMDEN, TN 38320-7827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Intrafamily Transfer, Transfer · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 14, 2023	Warranty Deed, Transfer · FHA Mortgage LENDING 3 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025
Deed Sale	Oct 23, 2025
Prior Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	2025122595
Deed Book / Page	428 / 1534
Prior Transfer Date	Oct 10, 2025
Prior Transfer Doc	00428/1534
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON TN
Recording Date	Oct 23, 2025
Property Address	640 SPRING DR, CAMDEN, TN 38320-7827
Document Number	00428/1534
Book / Page	428 / 1534
Instrument Date	Oct 10, 2025
Instrument	122595
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 SPRING DR, CAMDEN, TN 38320-7827

Mortgage

Document Number	0000122596
Date	Oct 23, 2025
Instrument	122596

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON TN
Recording Date	Sep 14, 2023
Property Address	640 SPRING DR, CAMDEN, TN 38320-7827
Document Number	000400/310
Book / Page	400 / 310
Map Reference	CAB C SL 27
Instrument Date	Sep 12, 2023
Instrument	114892
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	TITLE GROUP OF TENNESSEE, TITLE GROUP OF TENNESSEE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SPRING DR, DARDEN, TN 38328

Mortgage

Document Number	0000114893
Date	Sep 14, 2023
Instrument	114893

Lender

Name	LENDING 3 INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Benton County assessment roll, as of December 23, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,311.00 (+34.6%)	$76,825 (+115.05%) Land $8,700 Building $68,125	$307,300 (+119.19%) Land $34,800 Building $272,500
2024	$974.00 (+1.88%)	$35,725 (-) Land $5,050 Building $30,675
2023	$956.00	$35,725 (+1.93%) Land $5,050 Building $30,675
2022	$956.00	$35,050 Land $5,050 Building $30,000	$140,200 (-1.89%) Land $20,200 Building $120,000
2020			$142,900 Land $20,200 Building $122,700

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 July 3, 2012 · 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

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 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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