Cumberland County property record for 1103 High Rock Loop, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,108 sqft · built 2024 |
| Lot Size | 2.15 acres (93,654 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $8,000 (Apr 1996) |
| Tax Bill | $616 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-081.09 |
| Primary APN | 046-081.09 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 2,108 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Custom Design |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 93,654 sqft (2.15 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 1103 HIGH ROCK LOOP |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-6943 |
| Property Category | Residential |
| Property Type | Residential > Single Family > 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 |
1103 High Rock Loop is owned and occupied by two individuals who acquired it in October 2023.
Source: Cumberland County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1103 HIGH ROCK LOOP, MONTEREY, TN 38574-6943 |
| Occupancy | Owner Occupied |
| 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 | Apr 29, 1996 · Amount on File |
| Deed Sale | Apr 29, 1996 · Amount on File |
| Deed Book / Page | 508 / 255 |
| Last Transfer Date | Oct 11, 2023 |
| Transfer Doc | 0000012182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 1103 HIGH ROCK LOOP, MONTEREY, TN 38574-6943 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000012183 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | 1682/1089 |
| Instrument | 23012183 |
| Name | SOUTHWEST STAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85286 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 370 Months |
| Due | Aug 1, 2054 |
The 2025 property tax bill for 1103 High Rock Loop was $616.
Source: Cumberland County assessment roll, as of December 8, 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 | $616.00 | $54,275 Land $1,850 Building $52,425 | $217,100 Land $7,400 Building $209,700 |
| 2024 | $616.00 | ||
| 2023 | $10,925 (-) Land $1,850 Building $9,075 | ||
| 2022 | $10,925 Land $1,850 Building $9,075 | $217,100 (+396.8%) Land $7,400 Building $209,700 | |
| 2021 | $43,700 Land $7,400 Building $36,300 | ||
| 2018 | $128.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1103 High Rock 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 | 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 risk around 1103 High Rock Loop is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
4G LTE only, no 5G reported
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