Cumberland County property record for 98 Spruce Loop, Crossville, TN 38555
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,972 sqft · built 1990 |
| Lot Size | 0.445 acres (19,404 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $683 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 018112D F 00900 |
| Primary APN | 018112D F 00900 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 19,404 sqft |
| Lot Dimensions | 138 ft deep x 140 ft wide |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 676 sqft |
| Deck Area | 112 sqft |
| Patio Area | 512 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 98 SPRUCE LOOP |
|---|---|
| City | CROSSVILLE |
| State | TN |
| Zip | 38555-5348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C05 |
| Legal Subdivision | HIDEAWAY HILLS |
| Legal Lot Number | 1802 140 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 970601 |
98 Spruce Loop is owned by two individuals who acquired it in October 1999.
Source: Cumberland County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 3971, CROSSVILLE, TN 38557-3971 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 1999 |
| Deed Sale | Oct 28, 1999 |
| Deed Document Number | 0010441195 |
| Deed Book / Page | 496 / 474 |
| Prior Transfer Date | Oct 17, 1995 |
| Prior Transfer Doc | 0000496474 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 98 SPRUCE LOOP, CROSSVILLE, TN 38555-5348 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 98 SPRUCE LOOP, CROSSVILLE, TN 38555-5348 |
| Document Number | 0000011293 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 1617/1848 |
| Instrument | 21011293 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 26, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 98 Spruce Loop was $683.
Source: Cumberland County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Cumberland County |
| Unified School District | Cumberland County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $683.00 | $60,175 Land $4,125 Building $56,050 | |
| 2023 | $60,175 (-) Land $4,125 Building $56,050 | ||
| 2022 | $60,175 Land $4,125 Building $56,050 | $240,700 (-) Land $16,500 Building $224,200 | |
| 2021 | $240,700 Land $16,500 Building $224,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Spruce Loop in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 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 risk around 98 Spruce Loop is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 53% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | CROSSVILLE WATER DEPT serves 32,985 people · EPA ID TN0000150 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Ben Lomand Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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