7028 Springwater St, Smyrna, TN 37167 Property Records

Rutherford County property record for 7028 Springwater St, Smyrna, TN 37167

Property Summary

Property Type	Single Family Home
Details	2,931 sqft · built 2018
Lot Size	0.317 acres (13,818 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Nov 2018)
Tax Bill	$2,538 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072A-A-035.00-000`

Property Details

APN / Parcel Number

Primary APN	`072A-A-035.00-000`
Alternative APNs	`072A A 03500` `R0115919`

Interior

Plumbing Fixtures	16 Plumbing Fixtures
Building Area	2,931 sqft Living Area
1st Floor Area	1,518 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	13,818 sqft (0.317 acres)
Lot Dimensions	157 ft deep x 87.9 ft wide
Garage Type	Attached
Garage Area	741 sqft
Porch	Slab
Porch Area	266 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	R0115919
Street Address	7028 SPRINGWATER ST
City	SMYRNA
State	TN
Zip	37167-1067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CLEAR CREEK SEC 1
Legal Lot Number	10
Jurisdiction	RUTHERFORD TN
Township / Civil Division	9
Census Block Group	4
Census Block	4034
Census Tract	40806

Owner

Source: Rutherford County records, as of August 11, 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
Mailing Address	7028 SPRINGWATER ST, SMYRNA, TN 37167-1067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage DIRECT LNDG
Nov 28, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Jun 7, 2018 · Amount on Record
Deed Document Number	2018101
Deed Book / Page	1730 / 3010
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	7028 SPRINGWATER ST, SMYRNA, TN 37167-1067
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7028 SPRINGWATER ST, SMYRNA, TN 37167-1067

Mortgage

Document Number	0023342555
Date	Apr 17, 2023
Book Page	2334/2555
Instrument	2491853

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Nov 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	7028 SPRINGWATER ST, SMYRNA, TN 37167-1067
Document Number	RB19742558
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	VICTORY TITLE, VICTORY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7028 SPRINGWATER ST SMYRNA TN 371671067, SMYRNA, TN 37167-1067

Mortgage

Document Number	RB19742558
Date	Oct 8, 2020
Book Page	001974/002558
Instrument	2309850

Lender

Name	DIRECT LNDG
Address	KENNESAW, GA 30152

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Nov 28, 2018
Property Address	7028 SPRINGWATER ST, SMYRNA, TN 37167-1067
Document Number	RB17303010
Book / Page	001730 / 003010
Instrument Date	Nov 26, 2018
Instrument	2180101
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	TENNESSEE TITLE SERVICES LLC, TENNESSEE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,591.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7028 SPRINGWATER ST SMYRNA TN 371671067, SMYRNA, TN 37167-1067

Mortgage

Document Number	RB17303012
Date	Nov 28, 2018
Book Page	001730/003012
Instrument	2180102

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$178,725 (+32.12%) Land $55,000 Building $123,725	$714,900 (+32.12%) Land $220,000 Building $494,900
2025	$2,538.00	$135,275 (-) Land $23,750 Building $111,525
2023	$2,538.00	$135,275 Land $23,750 Building $111,525	$541,100 (-) Land $95,000 Building $446,100
2022			$541,100 Land $95,000 Building $446,100

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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
Flood Insurance Cost	Premium on Record median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	26 (1989–2010)
Claims Outside the SFHA	15 of 26
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 18 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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: United Communications.

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