94 Eagles Bluff Cir, Spencer, TN 38585 Property Records

Van Buren County property record for 94 Eagles Bluff Cir, Spencer, TN 38585

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,343 sqft · built 2019
Lot Size	0.81 acres (35,284 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Aug 2024)
Tax Bill	$1,846 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`088038 01700`

Property Details

APN / Parcel Number

Primary APN	`088038 01700`
Alternative APN	`038 01700`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,343 sqft Living Area
1st Floor Area	1,251 sqft
Upper Floors Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft

Exterior

Year Built	Built 2019
Exterior Material	Siding
Lot Area	35,284 sqft (0.81 acres)
Lot Dimensions	266 ft deep x 175 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	664 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	94 EAGLES BLUFF CIR
City	SPENCER
State	TN
Zip	38585-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05 MINERAL TRACT 46-1MA, COUNTY AREA: E01
Legal Subdivision	EAGLES BLUFF
Legal Tract	46
Legal Lot Number	19
Jurisdiction	VAN BUREN TN
Township / Civil Division	5
Census Block Group	2
Census Block	2059
Census Tract	925200

Owner

Source: Van Buren County records, as of January 23, 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	94 EAGLES BLUFF CIR, SPENCER, TN 38585-2911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2024	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2024 · Amount on Record
Deed Sale	Aug 21, 2024 · Amount on Record
Prior Sale	Oct 6, 2006 · Amount on Record
Deed Document Number	24001018
Deed Book / Page	RB134 / 160
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VAN BUREN TN
Recording Date	Aug 21, 2024
Property Address	94 EAGLES BLUFF CIR, SPENCER, TN 38585-2911
Document Number	0RB134/160
Book / Page	RB134 / 160
Map Reference	CAB 1 SL 149
Instrument Date	Aug 16, 2024
Instrument	24001018
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,572.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 EAGLE BLUFF CIR, SPENCER, TN 38585-2911

Mortgage

Document Number	0024001019
Date	Aug 21, 2024
Instrument	24001019

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VAN BUREN TN
Property Address	94 EAGLE BLUFF CIR, SPENCER, TN 38585-2911
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RB103/381
Date	Jan 3, 2020
Book Page	RB103/381
Instrument	20000007

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Van Buren County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,846.00	$76,900 (-) Land $2,825 Building $74,075
2024	$1,846.00	$76,900 (-) Land $2,825 Building $74,075
2023	$1,846.00	$76,900 (-) Land $2,825 Building $74,075
2022	$1,846.00	$76,900 Land $2,825 Building $74,075	$307,600 (-) Land $11,300 Building $296,300
2021			$307,600 Land $11,300 Building $296,300

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 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	5 in force
Nearby Flood Claims	2 (2013–2019)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2019 · Severe Storms, Flooding, Landslides, And Mudslides

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	Moderate above 61% of the US · above 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARREN COUNTY U.D. #2 serves 5,611 people · EPA ID TN0000655
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	No certified operator Sep 2018 Coliform assessment Sep 2018 Organic carbon removal Jul 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 29 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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