1089 Black Rd, Cunningham, TN 37052 Property Records

Montgomery County property record for 1089 Black Rd, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,934 sqft · built 2013
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Dec 2016)
Tax Bill	$2,333 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`149 9.03`

Property Details

APN / Parcel Number

Primary APN	`149 9.03`
Alternative APNs	`149 00903 000` `401667`

Interior

Bedrooms	3 Beds
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,934 sqft Living Area
Gross Area	2,702 sqft
1st Floor Area	1,244 sqft
Upper Floors Area	690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	71,003 sqft (1.63 acres)
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	1,430 sqft

Exterior Amenities

Porch	Porch
Porch Area	328 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1089 BLACK RD
City	CUNNINGHAM
State	TN
Zip	37052-4720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	QC V1468-1513 T-13; QC V1466-1617 T-13
Legal Subdivision	OPAL B VAUGHN
Jurisdiction	MONTGOMERY TN
Township / Civil Division	6
Census Block Group	2
Census Block	2023
Census Tract	101702

Owner

Source: Montgomery County records, as of May 5, 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	1089 BLACK RD, CUNNINGHAM, TN 37052-4720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALTRA FCU
Dec 30, 2021	Deed of Trust, Mortgage · Line of Credit ALTRA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20161104238
Deed Book / Page	1712 / 2800
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	1089 BLACK RD, CUNNINGHAM, TN 37052-4720
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02467/5487
Date	Dec 3, 2025
Book Page	2467/5487
Instrument	1524690

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2040

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	1089 BLACK RD, CUNNINGHAM, TN 37052-4720
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002173/993
Date	Dec 30, 2021
Book Page	2173/993
Instrument	1356580

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,333.00	$111,075 (-)	$444,300 (-) Land $76,400 Building $367,900
2024	$2,333.00 (+23.64%)	$111,075 (+76.03%)	$444,300 (+76.03%) Land $76,400 Building $367,900
2023	$1,887.00	$63,100 (-)
2022	$1,887.00	$63,100	$252,400 Land $32,800 Building $219,600

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 January 14, 2021 · 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	3 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	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	CUNNINGHAM UTILITY DISTRICT serves 16,068 people · EPA ID TN0000167
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumberland Connect Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

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

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