120 Low Gap Ln, Monterey, TN 38574 Property Records

Overton County property record for 120 Low Gap Ln, Monterey, TN 38574

Property Summary

Property Type	Rural Home
Details	3 ba · 3,011 sqft · built 2015
Lot Size	155 acres (6,792,746 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (May 2003)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`067130 01800`

Property Details

APN / Parcel Number

Primary APN	`067130 01800`
Alternative APN	`130 01800`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	3,011 sqft Living Area
1st Floor Area	2,316 sqft
Upper Floors Area	2,316 sqft
Basement Area	2,160 sqft
Unfinished Basement	2,160 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Mobile/Manufactured
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,792,746 sqft (155 acres)
Lot Dimensions	60 ft deep x 12 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	2,800 sqft
Deck Area	400 sqft
Patio Area	1,104 sqft
Shed	1 Shed
Shed Area	3,200 sqft
Pole Barn	2,400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	120 LOW GAP LN
City	MONTEREY
State	TN
Zip	38574-5601
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 09 12X60 M-H2, COUNTY AREA: Q01
Jurisdiction	OVERTON TN
Township / Civil Division	3
Census Block Group	1
Census Block	1033
Census Tract	950600

Owner

Source: Overton County records, as of March 23, 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	120 LOW GAP LN, MONTEREY, TN 38574-5601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2018	Deed of Trust, Mortgage BANK OF PUTNAM COUNTY
Jul 3, 2018	Deed of Trust, Mortgage BANK OF PUTNAM COUNTY
Dec 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA
Feb 14, 2020	Loan Modification, Mortgage BANK OF PUTNAM CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2003 · Amount on Record
Deed Sale	May 20, 2003 · Amount on Record
Prior Sale	Aug 3, 1994 · Amount on Record
Deed Book / Page	305 / 389
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OVERTON TN
Property Address	120 LOW GAP LN, MONTEREY, TN 38574-5601
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001930931
Date	Jul 3, 2018
Book Page	193/931
Instrument	55798

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Amount	Amount Recorded

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OVERTON TN
Property Address	120 LOW GAP LN, MONTEREY, TN 38574-5601
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001930921
Date	Jul 3, 2018
Book Page	193/921
Instrument	55797

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OVERTON TN
Property Address	120 LOW GAP LN, MONTEREY, TN 38574-5601
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002370320
Date	Dec 14, 2020
Book Page	237/320
Instrument	66922

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OVERTON TN
Property Address	120 LOW GAP LN, MONTEREY, TN 38574-5601
Document Number	0002190604
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	POINTER TITLE SERVICES INC, POINTER TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002190604
Date	Feb 14, 2020
Book Page	000219/000604
Instrument	62591

Lender

Name	BANK OF PUTNAM CNTY
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

Source: Overton County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,995.00 (-12.53%) Additional exemption filed	$224,025 (+47.12%) Land $59,000 Building $165,025	$1,777,200 (+191.77%) Land $1,117,100 Building $660,100
2024	$3,424.00 (+14.13%) Additional exemption filed	$152,275 (-) Land $44,225 Building $108,050
2023	$3,000.00 Additional exemption filed	$152,275 (-) Land $44,225 Building $108,050
2022	$3,000.00	$152,275 Land $44,225 Building $108,050	$609,100 (-30.36%) Land $176,900 Building $432,200
2020			$874,600 Land $442,400 Building $432,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 2009

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

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

Wildfire Risk	Moderate above 54% of the US · above 72% of Tennessee
Wildfire Likelihood	0.2% 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	EAST FORK U.D. serves 3,538 people · EPA ID TN0000853
Water Source	Purchased surface water from MONTEREY WATER DEPT
Last State Inspection	Sep 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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, as of December 31, 2025

Cell Coverage

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

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