Van Buren County property record for 776 Earls Loop, Spencer, TN 38585
| Property Type | Mobile Home |
|---|---|
| Details | 1,064 sqft · built 1995 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $797 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 088037 01401 |
| Primary APN | 088037 01401 |
|---|---|
| Alternative APN |
|
| Building Area | 1,064 sqft Living Area |
|---|---|
| 1st Floor Area | 1,064 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Mobile/Manufactured |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Deck Area | 240 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Utility Building | 144 sqft |
| Total Buildings | 2 Buildings |
| Sewer | Connected |
|---|---|
| Water Source | Commercial |
| Street Address | 776 EARLS LOOP |
|---|---|
| City | SPENCER |
| State | TN |
| Zip | 38585-4002 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | DISTRICT: 03 MINERAL TRACT 46-1MG, COUNTY AREA: R03 |
| Legal Tract | 46 |
| Jurisdiction | VAN BUREN TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 925000 |
Source: Van Buren County records, as of August 13, 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 | 776 EARLS LOOP, SPENCER, TN 38585-4002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 1989 |
| Deed Sale | Apr 21, 1989 |
| Prior Sale | Oct 2, 1987 · Amount on Record |
| Deed Book / Page | 27V / 450 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VAN BUREN TN |
| Property Address | 776 EARLS LOOP, SPENCER, TN 38585-4002 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 776 EARLS LOOP, SPENCER, TN 38585-4002 |
| Document Number | 0RB129/487 |
|---|---|
| Date | Dec 11, 2023 |
| Book Page | RB129/487 |
| Instrument | 23001541 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 6, 2053 |
Source: Van Buren County assessment roll, as of January 26, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Van Buren County |
| Unified School District | Van Buren County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $797.00 (+377.25%) | $33,200 (+377.7%) Land $2,250 Building $30,950 | |
| 2024 | $167.00 | $6,950 (-) Land $2,250 Building $4,700 | |
| 2023 | $167.00 (+18.44%) | $6,950 (+18.3%) Land $2,250 Building $4,700 | |
| 2022 | $141.00 | $5,875 Land $2,250 Building $3,625 | $23,500 (-82.3%) Land $9,000 Building $14,500 |
| 2021 | $132,800 Land $9,000 Building $123,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (2019–2021) |
| Most Recent Claim | Oct 2021 · river or lake flooding |
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 | Moderate above 58% of the US · above 79% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FALL CREEK FALLS U.D. serves 5,434 people · EPA ID TN0000552 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BTC Fiber Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures