960 Coves Pointe Ln, Sparta, TN 38583 Property Records

DeKalb County property record for 960 Coves Pointe Ln, Sparta, TN 38583

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,714 sqft · built 2023
Lot Size	2.42 acres (105,415 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Jul 2021)
Tax Bill	$4,718 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`021067 10200`

Property Details

APN / Parcel Number

Primary APN	`021067 10200`
Alternative APN	`067 10200`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	4,714 sqft Living Area
1st Floor Area	4,714 sqft
Basement Area	2,357 sqft
Finished Basement	2,357 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	105,415 sqft (2.42 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	841 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	490 sqft
Porch	Patio
Deck Area	252 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	960 COVES POINTE LN
City	SPARTA
State	TN
Zip	38583-2157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14; SUBDIVISION: MOUNTAIN HARBOR COVES IV
Legal Subdivision	MOUNTAIN HARBOR COVES IV
Legal Lot Number	14
Jurisdiction	DE KALB TN
Township / Civil Division	5
Census Block Group	2
Census Block	2041
Census Tract	920101

Owner

Source: DeKalb County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	960 COVES POINTE LN, SPARTA, TN 38583-2157
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 11, 2023	Deed of Trust, Mortgage · VA Mortgage CHURCHILL MORTGAGE
Jul 23, 2021	Warranty Deed, Transfer
Aug 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Aug 30, 2017 · Amount on Record
Deed Document Number	2021198572
Deed Book / Page	500 / 171
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Recording Date	May 11, 2026
Property Address	960 COVES POINTE LN, SPARTA, TN 38583-2157
Document Number	0000224327
Book / Page	620 / 79
Instrument Date	May 1, 2026
Instrument	2026224327
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	960 COVES POINTE LN, SPARTA, TN 38583-2157

Mortgage

Document Number	0000224327,
Date	May 11, 2026
Book Page	620/79
Instrument	2026224327

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	960 COVES POINTE LN, SPARTA, TN 38583-2157
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005570000000196
Date	Sep 11, 2023
Book Page	0000000557/0000000196
Instrument	210875

Lender

Name	CHURCHILL MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jul 23, 2021
Property Address	960 COVES POINTE LN, SPARTA, TN 38583-2157
Document Number	0005000171
Book / Page	500 / 171
Instrument Date	Jul 16, 2021
Instrument	198572
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 CAMERON RD, CAMERON PARK, CA 95682-9678

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Aug 30, 2017
Property Address	COVES POINTE RD, SPARTA, TN 38583
Document Number	0004160243
Book / Page	000416 / 000243
Instrument Date	Aug 30, 2017
Transaction Type	Transfer
Record Updated	Oct 9, 2017

Transaction

Amount	Amount Recorded
Tax	$296.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,718.00 (+1,714.62%)	$187,950 (-) Land $15,000 Building $172,950
2023		$187,950 (+1,153%) Land $15,000 Building $172,950
2022	$260.00	$15,000 Land $15,000	$60,000 (-92.02%) Land $60,000
2021			$751,800 Land $60,000 Building $691,800

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 February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	DEWHITE UTILITY DISTRICT serves 8,467 people · EPA ID TN0000190
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
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 7 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

Cell Coverage

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

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