125 E 4th St, Cookeville, TN 38501 Property Records

Putnam County property record for 125 E 4th St, Cookeville, TN 38501

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,388 sqft · built 1950
Lot Size	0.328 acres (14,280 sqft)
Owner	2 Trust Names on File
Last Sale	$610,000 (Jun 2020)
Tax Bill	$4,283 (2022)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`071053B F 02400`

Property Details

APN / Parcel Number

Primary APN	`071053B F 02400`
Alternative APN	`053B F 02400`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,388 sqft Living Area
1st Floor Area	1,548 sqft
Upper Floors Area	437 sqft
Basement Area	1,624 sqft
Finished Basement	1,372 sqft
Unfinished Basement	252 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2013
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,280 sqft (0.328 acres)
Lot Dimensions	168 ft deep x 85 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Deck Area	120 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	125 E 4TH ST
City	COOKEVILLE
State	TN
Zip	38501-2580
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HS
Legal Description	DISTRICT: 01 P/O LOTS 5-7, COUNTY AREA: B01
Legal Subdivision	C E WILSON
Legal Block	A
Legal Lot Number	LIST
Jurisdiction	PUTNAM TN
Township / Civil Division	1
Census Block Group	1
Census Block	1018
Census Tract	500

Owner

125 E 4th St is owner-occupied and held in a trust since May 2025.

Source: Putnam County records, as of September 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living 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
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit WELLS BANK
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST OF THE CUMBERLANDS
Aug 8, 2025	Deed of Trust, Mortgage AMERICAN BANK & TRUST OF THE CUMBERLANDS
Jun 4, 2025	Intrafamily Transfer, Transfer
Jun 10, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BK&TR/CUMBERLAND
Sep 24, 2019	Correction Deed, Transfer NOT AVAILABLE
Sep 11, 2017	Loan Modification, Mortgage FIRST NAT'L BK/TN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2020 · Amount on File
Deed Sale	Jun 10, 2020 · Amount on File
Prior Sale	Feb 25, 2009
Deed Document Number	2020240948
Deed Book / Page	1205 / 57
Last Transfer Date	May 23, 2025
Transfer Doc	0001621721
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Sep 8, 2026
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Document Number	0000329481
Book / Page	1729 / 179
Instrument Date	Aug 31, 2026
Instrument	2026329481
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	LEDBETTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust, 220

Mortgage

Document Number	0000329481,
Date	Sep 8, 2026
Book Page	1729/179
Instrument	2026329481

Lender

Name	WELLS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 15, 2036

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, LEDBETTER TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001651287
Date	Oct 16, 2025
Book Page	1651/287
Instrument	316749

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBERLANDS
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 25, 2035

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, LEDBETTER TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001636296
Date	Aug 8, 2025
Book Page	1636/296
Instrument	314230

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBERLANDS
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 5, 2035

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM TN
Recording Date	Jun 4, 2025
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Document Number	0001621721
Book / Page	1621 / 721
Map Reference	CAB J PG 104A
Instrument Date	May 23, 2025
Instrument	311774
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jun 10, 2020
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Document Number	RB120557
Book / Page	001205 / 000057
Instrument Date	Jun 9, 2020
Instrument	240948
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 E 4TH ST COOKEVILLE TN 385012580, COOKEVILLE, TN 38501-2580

Mortgage

Document Number	RB120561
Date	Jun 10, 2020
Book Page	001205/000061
Instrument	240950

Lender

Name	AMERICAN BK&TR/CUMBERLAND
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 9, 2040

Mortgage

Document Number	RB120577,
Date	Jun 10, 2020
Book Page	001205/000077
Instrument	240951

Lender

Name	AMERICAN BK&TR/CUMBERLAND
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2050

September 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	PUTNAM TN
Recording Date	Sep 24, 2019
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Document Number	RB1147507
Book / Page	001147 / 000507
Instrument Date	Sep 24, 2019
Instrument	231154
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	125 E 4TH ST COOKEVILLE TN 385012580, COOKEVILLE, TN 38501-2580

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM TN
Property Address	125 E 4TH ST, COOKEVILLE, TN 38501-2580
Document Number	RB1014681
Book / Page	001014 / 000681
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	57 W BROAD ST #200 COOKEVILLE TN 385012530, 200, COOKEVILLE, TN 38501-2530

Mortgage

Document Number	RB1014681
Date	Sep 11, 2017
Book Page	001014/000681
Instrument	205270

Lender

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

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 10, 2018

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$130,100 (-) Land $8,750 Building $121,350
2024		$130,100 (-) Land $8,750 Building $121,350
2023		$130,100 Land $8,750 Building $121,350
2022	$4,283.00
2021			$520,400 Land $35,000 Building $485,400

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 125 E 4th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2010–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2026 · rainfall accumulation

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

Wildfire risk around 125 E 4th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	COOKEVILLE WATER DEPT serves 49,711 people · EPA ID TN0000133
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Twin Lakes.

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