77 Bluff Ln, Spencer, TN 38585 Property Records

Van Buren County property record for 77 Bluff Ln, Spencer, TN 38585

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,195 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$182,000 (May 2021)
Tax Bill	$1,020 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`088039 06301`

Property Details

APN / Parcel Number

Primary APN	`088039 06301`
Alternative APN	`039 06301`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,195 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	783 sqft
Attic	Attic
Attic Area	60 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	2,100 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	36 sqft
Patio Area	160 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	77 BLUFF LN
City	SPENCER
State	TN
Zip	38585-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: R01
Legal Subdivision	VAN BUREN BLUFFS
Legal Lot Number	5
Jurisdiction	VAN BUREN TN
Township / Civil Division	5
Census Block Group	2
Census Block	2069
Census Tract	925200

Owner

77 Bluff Ln is owned and occupied by two individuals who bought it in May 2021.

Source: Van Buren County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	77 BLUFF LN, SPENCER, TN 38585-3518
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
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 25, 2021	Warranty Deed, Transfer · Commercial Mortgage CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Jul 10, 2009 · Amount on File
Deed Document Number	2021734
Deed Book / Page	111 / 559
Prior Transfer Date	Apr 24, 2015
Prior Transfer Doc	00RB79/792
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN TN
Property Address	77 BLUFF LN, SPENCER, TN 38585-3518
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB114/473
Date	Oct 25, 2021
Book Page	RB114/473
Instrument	21001458

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	May 25, 2021
Property Address	77 BLUFF LN, SPENCER, TN 38585-3518
Document Number	0RB111/559
Book / Page	RB111 / 559
Instrument Date	May 24, 2021
Instrument	21000734
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$673.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 BLUFF LN, SPENCER, TN 38585-3518

Mortgage

Document Number	0021000735
Date	May 25, 2021
Instrument	21000735

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 5, 2036

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 77 Bluff Ln was $1,020.

Source: Van Buren County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Van Buren County
Municipality	Spencer City
Unified School District	Van Buren County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,020.00	$42,500 (-) Land $2,375 Building $40,125
2024	$1,020.00	$42,500 (-) Land $2,375 Building $40,125
2023	$1,020.00 (+4.51%)	$42,500 (+4.49%) Land $2,375 Building $40,125
2022	$976.00	$40,675 Land $2,375 Building $38,300	$162,700 (-4.29%) Land $9,500 Building $153,200
2021			$170,000 Land $9,500 Building $160,500

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 77 Bluff Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective April 19, 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	5 in force
Nearby Flood Claims	2 (2013–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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 77 Bluff Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · above 84% of Tennessee
Wildfire Likelihood	0.2% 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	WARREN COUNTY U.D. #2 serves 5,611 people · EPA ID TN0000655
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	No certified operator Sep 2018 Coliform assessment Sep 2018 Organic carbon removal Jul 2018
Monitoring and Reporting	1 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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