Van Buren County property record for 971 Gulf Rd, Spencer, TN 38585
| Property Type | Single Family Home |
|---|---|
| Lot Size | 6 acres (261,360 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $599 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 088048 02602 |
| Primary APN | 088048 02602 |
|---|---|
| Alternative APN |
|
| Lot Area | 261,360 sqft (6 acres) |
|---|---|
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 3,040 sqft |
| Parking Spaces | 10 Parking Spaces |
| Sewer | Connected |
|---|
| Street Address | 971 GULF RD |
|---|---|
| City | SPENCER |
| State | TN |
| Zip | 38585-4229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 03, COUNTY AREA: R04 |
| Jurisdiction | VAN BUREN TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 925000 |
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 |
|---|---|
| Mailing Address | 971 GULF RD, SPENCER, TN 38585-4229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2002 |
| Deed Sale | Jan 16, 2002 |
| Deed Document Number | 0000013711 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VAN BUREN TN |
| Property Address | 971 GULF RD, SPENCER, TN 38585-4229 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | RB109/698 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | RB109/698 |
| Instrument | 21000267 |
| Name | CITIZENS TRI-COUNTY BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, TN 38585 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Mar 5, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Van Buren County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Van Buren County |
| Unified School District | Van Buren County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $599.00 | $24,950 (-) Land $7,425 Building $17,525 | |
| 2024 | $599.00 | $24,950 (-) Land $7,425 Building $17,525 | |
| 2023 | $599.00 | $24,950 (-) Land $7,425 Building $17,525 | |
| 2022 | $599.00 | $24,950 Land $7,425 Building $17,525 | $99,800 (-) Land $29,700 Building $70,100 |
| 2021 | $99,800 Land $29,700 Building $70,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (2019–2021) |
| Most Recent Claim | Oct 2021 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 79% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FALL CREEK FALLS U.D. serves 5,434 people · EPA ID TN0000552 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BTC Fiber Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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