Clay County property record for 770 Spence Ln, Hilham, TN 38568
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 480 sqft · built 2005 |
| Lot Size | 7.48 acres (325,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,500 (Oct 2021) |
| Tax Bill | $385 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 014087 00231 |
| Primary APN | 014087 00231 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 480 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Siding |
| Lot Area | 325,829 sqft (7.48 acres) |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 770 SPENCE LN |
|---|---|
| City | HILHAM |
| State | TN |
| Zip | 38568-5657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIST:03 MAP REF:087 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 955000 |
770 Spence Ln is owned by an individual who bought it in October 2021.
Source: Clay County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 175 SPENCE LN, HILHAM, TN 38568-5643 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2021 · Amount on File |
| Deed Sale | Oct 5, 2021 · Amount on File |
| Deed Document Number | 21001406 |
| Deed Book / Page | WD118 / 387 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Oct 5, 2021 |
| Property Address | 770 SPENCE LN, HILHAM, TN 38568-5657 |
| Document Number | 0WD118/387 |
| Book / Page | WD118 / 387 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 21001406 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $486.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 SPENCE LN, HILHAM, TN 38568-5643 |
| Document Number | 0021001407 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 21001407 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 770 Spence Ln was $385.
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 | $385.00 | $14,825 Land $5,300 Building $9,525 | |
| 2023 | $14,825 Land $5,300 Building $9,525 | ||
| 2022 | $59,300 Land $21,200 Building $38,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 770 Spence Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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.
Wildfire risk around 770 Spence Ln is low, with a 0.02% annual chance of 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 | 0.02% 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 9 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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