1077 High Rock Loop, Monterey, TN 38574 Property Records

Cumberland County property record for 1077 High Rock Loop, Monterey, TN 38574

Property Summary

Property Type	Mobile Home
Details	1,456 sqft · built 1996
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$21,000 (Jul 2016)
Tax Bill	$111 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-081.35`

Property Details

APN / Parcel Number

Primary APN	`046-081.35`
Alternative APNs	`0204604608135` `018046 08135`

Interior

Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Lot Area	43,996 sqft (1.01 acres)
Terrain	Rolling
Porch	Open/Unfinished Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1077 HIGH ROCK LOOP
City	MONTEREY
State	TN
Zip	38574-6943
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DISTRICT: 02, COUNTY AREA: R01
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3036
Census Tract	970302

Owner

Source: Cumberland County assessment roll, as of December 8, 2025

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

Owner of Record	Individual Name on File
Mailing Address	1077 HIGH ROCK LOOP, MONTEREY, TN 38574-6943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
May 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF TENNESSEE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 5, 2016 · Amount on Record
Deed Sale	Jul 5, 2016 · Amount on Record
Prior Sale	Jul 6, 2015 · Amount on Record
Deed Document Number	20167661
Deed Book / Page	1478 / 1813
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Recording Date	Jul 1, 2026
Property Address	1077 HIGH ROCK LOOP, MONTEREY, TN 38574-6943
Document Number	0000008984
Book / Page	1752 / 2533
Instrument Date	Jun 26, 2026
Instrument	20268984
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 HIGH ROCK LOOP, MONTEREY, TN 38574-6943

Mortgage

Document Number	0000008984,
Date	Jul 1, 2026
Book Page	1752/2533
Instrument	20268984

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 26, 2031

Interest

Rate	6.53%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	1077 HIGH ROCK LOOP, MONTEREY, TN 38574-6943
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006668
Date	May 5, 2022
Book Page	1643/2211
Instrument	22006668

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 4, 2027

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 8, 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	$111.00	$9,775 (-) Land $1,000 Building $8,775	$39,100 (-) Land $4,000 Building $35,100
2023		$9,775 (-) Land $1,000 Building $8,775
2022	$111.00 (+44.16%)	$9,775 Land $1,000 Building $8,775	$39,100 (-) Land $4,000 Building $35,100
2021			$39,100 Land $4,000 Building $35,100
2018	$77.00

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 · 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	2 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

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

Wildfire Risk	Moderate above 51% of the US · above 68% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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