Clay County property record for 644 Spence Ln, Hilham, TN 38568
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 552 sqft · built 2005 |
| Lot Size | 1.57 acres (68,389 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $69,000 (Jun 2021) |
| Tax Bill | $317 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014087 00215 |
| Primary APN | 014087 00215 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 552 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Upper Floors Area | 120 sqft |
| Attic Area | 120 sqft |
| Flooring | Softwood |
| Interior Walls | Wood |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 68,389 sqft (1.57 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 644 SPENCE LN |
|---|---|
| City | HILHAM |
| State | TN |
| Zip | 38568-5662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 03, COUNTY AREA: R01 |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 955000 |
Source: Clay County records, as of January 26, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1757 ROUTE 9 N, CAPE MAY COURT HOUSE, NJ 08210-1435 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2021 · Amount on Record |
| Deed Sale | Jun 8, 2021 · Amount on Record |
| Prior Sale | Aug 7, 2007 · Amount on Record |
| Deed Document Number | 21000792 |
| Deed Book / Page | WD117 / 429 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Jun 8, 2021 |
| Property Address | 644 SPENCE LN, HILHAM, TN 38568-5662 |
| Document Number | 0WD117/429 |
| Book / Page | WD117 / 429 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 21000792 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1757 ROUTE 9 N, CAPE MAY COURT HOUSE, NJ 08210-1435 |
| Document Number | 0021000793 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 21000793 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
Source: Clay County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $317.00 | $12,175 (-) Land $2,150 Building $10,025 | |
| 2023 | $12,175 (-) Land $2,150 Building $10,025 | ||
| 2022 | $317.00 | $12,175 Land $2,150 Building $10,025 | $48,700 Land $8,600 Building $40,100 |
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.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 |
| Nearby Flood Claims | 2 (2021–2025) |
| Most Recent Claim | Mar 2025 · 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Twin Lakes Fiber | 8,000 / 8,000 |
No cell data coverage reported
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