642 Spring Gap Rd, Crossville, TN 38572 Property Records

Cumberland County property record for 642 Spring Gap Rd, Crossville, TN 38572 · Last verified February 2026

Property Summary

Property Type	Rural Home
Details	3 ba · 2,941 sqft · built 2013
Lot Size	75 acres (3,268,742 sqft)
Owner	Individual Name on File
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018170 05503`

Property Details

APN / Parcel Number

Primary APN	`018170 05503`
Alternative APN	`170 05503`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	2,941 sqft Living Area
1st Floor Area	2,538 sqft 1st Floor
Upper Floors Area	1,344 sqft Upper Floors
Basement Area	1,020 sqft Basement
Finished Basement	1,020 sqft Finished
Stories	2 Stories
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,268,742 sqft (75 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished
Garage Area	700 sqft Garage

Exterior Amenities

Pool Area	704 sqft Pool
Deck Area	140 sqft Deck
Patio Area	140 sqft Patio
Porch	Open Porch
Porch Area	512 sqft Porch
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	642 SPRING GAP RD
City	CROSSVILLE
State	TN
Zip	38572-8103
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 05, COUNTY AREA: R01
Jurisdiction	CUMBERLAND TN
Township / Civil Division	8
Census Block Group	3
Census Block	3035
Census Tract	970702

Owner

Source: Cumberland County records · APN 018170 05503

Assessment roll updated May 20, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 05, 2022	Deed of Trust, Mortgage · Line of Credit HIGHLAND FSLA
Mar 12, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 09, 2018	Deed of Trust, Mortgage DISCOVER BANK
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLAND FSLA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Prior Sale	Aug 03, 2012 · Amount on Record
Last Transfer Date	Mar 12, 2021
Transfer Doc	0000003832
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103

Mortgage

Document Number	0000000700
Date	Jan 05, 2022
Book Page	1633/150
Instrument	22000700

Lender

Name	HIGHLAND FSLA
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 20, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 12, 2021
Property Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Document Number	0000003832
Book / Page	1603 / 2145
Instrument Date	Mar 11, 2021
Instrument	21003832
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Investor	Possibly a Property Investor

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Transaction Type	Mortgage
Record Updated	Mar 01, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004266
Date	Apr 09, 2018
Book Page	1523/1592
Instrument	18004266

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 06, 2038

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	642 SPRING GAP RD, CROSSVILLE, TN 38572-8103
Transaction Type	Mortgage
Record Updated	Mar 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011359
Date	Sep 18, 2020
Book Page	1587/924
Instrument	20011359

Lender

Name	HIGHLAND FSLA
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2040

Tax Assessment & Valuation

Source: Cumberland County records · Assessment roll updated May 20, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,857.00 (+22.01%) Additional exemption filed	$163,600 (-) Land $23,125 Building $140,475
2023		$163,600 (+8.08%) Land $23,125 Building $140,475
2022		$151,375 Land $23,125 Building $128,250	$847,900 (+40.03%) Land $286,000 Building $561,900
2021			$605,500 Land $92,500 Building $513,000
2018	$1,522.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (47035C), updated November 16, 2007 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 91% of Tennessee
Wildfire Likelihood	About 1 in 344 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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