803 Spruce Loop, Crossville, TN 38555 Property Records

Cumberland County property record for 803 Spruce Loop, Crossville, TN 38555

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 2019
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2026)
Tax Bill	$108 (2018)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112L-N-016.00`

Property Details

APN / Parcel Number

Primary APN	`112L-N-016.00`
Alternative APNs	`01112LN112L01600` `018112L N 01600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,778 sqft Living Area
Gross Area	2,378 sqft
1st Floor Area	1,778 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	159 ft deep x 113 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	803 SPRUCE LOOP
City	CROSSVILLE
State	TN
Zip	38555-6171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRUCE VIEW SUB PB 11 PG 273 LOT 16 SEV MIN UNIVERSAL SVC CORP 112-15.02M DB 1106/2032 113 X 158.62
Legal Subdivision	SPRUCE VIEW SUB
Legal Lot Number	16
Jurisdiction	CUMBERLAND TN
Township / Civil Division	1
Census Block Group	1
Census Block	1015
Census Tract	970601

Owner

803 Spruce Loop is owned and occupied by two individuals who bought it in May 2026.

Source: Cumberland County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	803 SPRUCE LOOP, CROSSVILLE, TN 38555-6171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
May 22, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Oct 30, 2019	Warranty Deed, Transfer MISCELLANEOUS GOVT AGCY
May 31, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Oct 30, 2019 · Amount on File
Deed Document Number	20267093
Deed Book / Page	1749 / 2169
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	May 22, 2026
Property Address	803 SPRUCE LOOP, CROSSVILLE, TN 38555-6171
Document Number	0000007093
Book / Page	1749 / 2169
Instrument Date	May 4, 2026
Instrument	20267093
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	ENCORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123,321.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 SPRUCE LOOP, CROSSVILLE, TN 38555-6171
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007094,
Date	May 22, 2026
Instrument	20267094

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Oct 30, 2019
Property Address	803 SPRUCE LOOP, CROSSVILLE, TN 38555-6171
Document Number	0000013143
Book / Page	001562 / 000776
Instrument Date	Oct 29, 2019
Instrument	13143
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$793.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	803 SPRUCE LOOP CROSSVILLE TN 38555, CROSSVILLE, TN 38555

Mortgage

Document Number	13144
Date	Oct 30, 2019
Book Page	001562/000778
Instrument	13144

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	PO BOX 66889, ST LOUIS, MO 63166-6889

Agreement

Amount	Amount on Record
Term	396 Months
Due	Oct 29, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	May 31, 2019
Property Address	803 SPRUCE LOOP, CROSSVILLE, TN 38555-6171
Document Number	0000006352
Book / Page	001550 / 001983
Instrument Date	May 31, 2019
Instrument	6352
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$59.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 CAMPGROUND RD CLARKRANGE TN 385535320, CLARKRANGE, TN 38553-5320

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Cumberland County
Municipality	Crossville City
Unified School District	Cumberland County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$78,750 Land $6,250 Building $72,500	$315,000 Land $25,000 Building $290,000
2023		$78,750 (-) Land $6,250 Building $72,500
2022		$78,750 Land $6,250 Building $72,500	$315,000 (-) Land $25,000 Building $290,000
2021			$315,000 Land $25,000 Building $290,000
2018	$108.00

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 803 Spruce Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2007 · 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

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 803 Spruce Loop is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% 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	CROSSVILLE WATER DEPT serves 32,985 people · EPA ID TN0000150
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2023–2025) 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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