878 Old Ridge Rd, Sparta, TN 38583 Property Records

Cumberland County property record for 878 Old Ridge Rd, Sparta, TN 38583

Property Summary

Property Type	Rural Home
Details	1 ba · 1,200 sqft · built 1985
Lot Size	15 acres (655,578 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (May 2014)
Tax Bill	$389 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018082 00801`

Property Details

APN / Parcel Number

Primary APN	`018082 00801`
Alternative APN	`082 00801`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	750 sqft
Upper Floors Area	750 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	655,578 sqft (15 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	496 sqft
Deck Area	64 sqft
Patio Area	752 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	878 OLD RIDGE RD
City	SPARTA
State	TN
Zip	38583-8004
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 08, SEV MIN PPI TRUSTEE DB 120-233, COUNTY AREA: R01
Jurisdiction	CUMBERLAND TN
Township / Civil Division	8
Census Block Group	4
Census Block	4026
Census Tract	970302

Owner

Source: Cumberland County records, as of January 26, 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
Co-owner	Co-owner on Record
Mailing Address	878 OLD RIDGE RD, SPARTA, TN 38583-8004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2014 · Amount on Record
Deed Sale	May 13, 2014 · Amount on Record
Prior Sale	Jul 15, 2011 · Amount on Record
Deed Document Number	14005003
Deed Book / Page	1429 / 2046
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	878 OLD RIDGE RD, SPARTA, TN 38583-8004
Document Number	0000010851
Book / Page	001509 / 002118
Instrument Date	Sep 2, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	878 OLD RIDGE RD SPARTA TN 385838004, SPARTA, TN 38583-8004

Mortgage

Document Number	0000010851
Date	Sep 15, 2017
Book Page	001509/002118
Instrument	10851

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$389.00 (-1.02%)	$34,300 (-) Land $12,500 Building $21,800
2023		$34,300 (-) Land $12,500 Building $21,800
2022		$34,300 Land $12,500 Building $21,800	$137,200 (-) Land $50,000 Building $87,200
2021			$137,200 Land $50,000 Building $87,200
2018	$393.00

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

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 55% of the US · above 73% of Tennessee
Wildfire Likelihood	0.1% 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	CUMBERLAND PLATEAU W.A.#3 serves 5,659 people · EPA ID TN0000557
Water Source	Purchased surface water from BON DE CROFT UTILITY DISTRICT
Last State Inspection	Sep 2025
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment currently in violation since Sep 2018
Monitoring and Reporting	1 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Old Ridge Rd

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