815 Forest Cir, Sparta, TN 38583 Property Records

White County property record for 815 Forest Cir, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,704 sqft · built 1971
Lot Size	0.401 acres (17,500 sqft)
Owner	Individual Name on Record
Last Sale	$128,500 (May 2019)
Tax Bill	$847 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093067M C 00504`

Property Details

APN / Parcel Number

Primary APN	`093067M C 00504`
Alternative APN	`067M C 00504`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,704 sqft Living Area
1st Floor Area	1,704 sqft
Basement Area	696 sqft
Finished Basement	696 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,500 sqft (0.401 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	128 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	815 FOREST CIR
City	SPARTA
State	TN
Zip	38583-5509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1; SUBDIVISION: LAKE FOREST S/D NO 1; LOT: 72
Legal Subdivision	LAKE FOREST S/D NO 1
Legal Lot Number	72
Jurisdiction	WHITE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2063
Census Tract	935300

Owner

Source: White County records, as of January 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	815 FOREST CIR, SPARTA, TN 38583-5509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 10, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
May 23, 2019	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Prior Sale	Oct 25, 2016 · Amount on Record
Deed Document Number	19001839
Deed Book / Page	RB434 / 417
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	815 FOREST CIR, SPARTA, TN 38583-5509
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB503/949
Date	Mar 10, 2022
Book Page	RB503/949
Instrument	22001136

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITE TN
Property Address	815 FOREST CIR, SPARTA, TN 38583-5509
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0RB503/960
Date	Mar 10, 2022
Book Page	RB503/960
Instrument	22001137

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITE TN
Recording Date	May 23, 2019
Property Address	815 FOREST CIR, SPARTA, TN 38583-5509
Document Number	0RB434/417
Book / Page	RB434 / 417
Map Reference	MB 1 PG 26
Instrument Date	May 17, 2019
Instrument	19001839
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 FOREST CIR, SPARTA, TN 38583-5509

Mortgage

Document Number	0000001840
Date	May 23, 2019
Book Page	RB434/419
Instrument	19001840

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: White County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	White County
Unified School District	White County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$847.00 (+22.4%)	$60,075 (+77.87%) Land $5,000 Building $55,075	$240,300 (+77.87%) Land $20,000 Building $220,300
2023		$33,775 Land $2,500 Building $31,275
2021	$692.00
2020			$135,100 Land $10,000 Building $125,100

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

Source: FEMA National Flood Hazard Layer, effective September 28, 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

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	0.04% annual chance
Exposure	Direct burnable vegetation

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	QUEBECK WALLING U.D. serves 5,588 people · EPA ID TN0000569
Water Source	Purchased surface water from SPARTA WATER SYSTEM
Last State Inspection	Oct 2024
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	2 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 77 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Forest Cir

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