Grainger County property record for 787 Spence Rd, Rutledge, TN 37861 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,672 sqft · built 1998 |
| Lot Size | 1.48 acres (64,469 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $2,468 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 029051 03906 |
| Primary APN | 029051 03906 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,672 sqft Living Area |
| 1st Floor Area | 1,991 sqft |
| Upper Floors Area | 1,681 sqft |
| Basement Area | 1,681 sqft |
| Unfinished Basement | 1,681 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 64,469 sqft (1.48 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 988 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 740 sqft |
|---|---|
| Pool House | 240 sqft |
| Porch | Open Porch |
| Porch Area | 997 sqft |
| Patio Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 787 SPENCE RD |
|---|---|
| City | RUTLEDGE |
| State | TN |
| Zip | 37861-5424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 07, COUNTY AREA: G01 |
| Jurisdiction | GRAINGER TN |
| Township / Civil Division | 2 |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 500402 |
Source: Grainger County records · APN 029051 03906
Assessment roll updated May 20, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 787 SPENCE RD, RUTLEDGE, TN 37861-5424 |
| Occupancy | Owner Occupied |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Sep 11, 1997 |
| Transfer Doc | 0002011077 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAINGER TN |
| Property Address | 787 SPENCE RD, RUTLEDGE, TN 37861-5424 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001286 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 362/759 |
| Instrument | 17001286 |
| Name | CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RUTLEDGE, TN 37861 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 15, 2022 |
Source: Grainger County records · Assessment roll updated May 20, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Grainger County |
| Unified School District | Grainger County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,468.00 | $105,025 (-) Land $4,975 Building $100,050 | |
| 2024 | $2,468.00 | $105,025 (-) Land $4,975 Building $100,050 | |
| 2023 | $2,468.00 (+2.32%) | $105,025 (-) Land $4,975 Building $100,050 | |
| 2022 | $2,412.00 | $105,025 Land $4,975 Building $100,050 | |
| 2021 | $420,100 Land $19,900 Building $400,200 |
Source: FEMA National Flood Hazard Layer, Grainger County (47057C), updated December 16, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 55% of the US · above 74% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 637 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Foursight Communications | Fiber | 8,000 / 8,000 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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