1143 Moss Bend Trl, Monterey, TN 38574 Property Records

Putnam County property record for 1143 Moss Bend Trl, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 5,468 sqft · built 2016
Lot Size	1.8 acres (78,844 sqft)
Owner	2 Trust Names on File
Last Sale	$959,000 (Oct 2023)
Tax Bill	$4,847 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071105L A 06500`

Property Details

APN / Parcel Number

Primary APN	`071105L A 06500`
Alternative APN	`105L A 06500`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	5,468 sqft Living Area
1st Floor Area	3,045 sqft
Upper Floors Area	2,423 sqft
Basement Area	2,145 sqft
Unfinished Basement	2,145 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	4 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Stucco
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Clay Tile
Lot Area	78,844 sqft (1.8 acres)
Terrain	Mountain
Garage Type	Mixed
Garage Area	660 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	140 sqft
Deck Area	1,500 sqft
Patio Area	1,500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1143 MOSS BEND TRL
City	MONTEREY
State	TN
Zip	38574-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04 ROGER N CIARROCCHI SR LISA D CIARROCCHI TRUSTEES, COUNTY AREA: D03
Legal Subdivision	BLUFFS @ CUMBERLAND COVE
Legal Lot Number	65
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3041
Census Tract	100

Owner

1143 Moss Bend Trl is owner-occupied and held in a trust since October 2023.

Source: Putnam County records, as of January 23, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	1143 MOSS BEND TRL, MONTEREY, TN 38574-5008
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Oct 30, 2023	Warranty Deed, Transfer INTEGRITY TITLE AND ESCROW, INTEGRITY TITLE & ESCROW LLC
Mar 25, 2020	Deed of Trust, Construction Loan · Line of Credit FIRST NAT'L BK/TN
Aug 23, 2019	Loan Modification, Mortgage FIRST NAT'L BK/TN

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Prior Sale	Oct 23, 2013 · Amount on File
Deed Document Number	291965
Deed Book / Page	1507 / 34
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1143 MOSS BEND TRL, MONTEREY, TN 38574-5008
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 MOSS BEND TRL, MONTEREY, TN 38574-5008

Mortgage

Document Number	0000167820
Date	Feb 19, 2026
Book Page	1678/20
Instrument	321193

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Oct 30, 2023
Property Address	1143 MOSS BEND TRL, MONTEREY, TN 38574-5008
Document Number	0000150734
Book / Page	1507 / 34
Map Reference	CAB F PG 44B
Instrument Date	Oct 20, 2023
Instrument	291965
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	INTEGRITY TITLE AND ESCROW, INTEGRITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$3,548.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1143 MOSS BEND TRL, MONTEREY, TN 38574-5008

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Mar 25, 2020
Property Address	1143 MOSS BEND TRL, MONTEREY, TN 38574
Document Number	RB1185376
Book / Page	001185 / 000376
Instrument Date	Mar 25, 2020
Instrument	237820
Transaction Type	Construction Loan
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	701 E SPRING ST COOKEVILLE TN 385013609, COOKEVILLE, TN 38501-3609

Mortgage

Document Number	RB1185376
Date	Mar 25, 2020
Book Page	001185/000376
Instrument	237820

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 24, 2021

Interest

Rate Type	Adjustable Rate

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM TN
Property Address	1143 MOSS BEND TRL, MONTEREY, TN 38574
Document Number	RB1143484
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	701 E SPRING ST COOKEVILLE TN 385013609, COOKEVILLE, TN 38501-3609

Mortgage

Document Number	RB1143484
Date	Sep 4, 2019
Book Page	001143/000484
Instrument	230385

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	CROSSVILLE, TN 38571

Agreement

Amount	Amount on Record
Term	84 Months
Due	Sep 3, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 1143 Moss Bend Trl was $4,847.

Source: Putnam County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,847.00	$182,225 Land $7,500 Building $174,725
2023		$247,600 (+52.86%) Land $7,500 Building $240,100
2022	$4,004.00	$161,975 Land $7,500 Building $154,475	$647,900 (-11.11%) Land $30,000 Building $617,900
2021			$728,900 Land $30,000 Building $698,900

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

FEMA maps place 1143 Moss Bend Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1143 Moss Bend Trl 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 69% of Tennessee
Wildfire Likelihood	0.1% 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	MONTEREY WATER DEPT serves 4,880 people · EPA ID TN0000471
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

Cell Coverage

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

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