1288 Spring Valley Dr, Pegram, TN 37143 Property Records

Cheatham County property record for 1288 Spring Valley Dr, Pegram, TN 37143

Property Summary

Property Type	Rural Home
Details	2 ba · 2,304 sqft · built 1976
Lot Size	16.4 acres (714,820 sqft)
Owner	Owner Name on File
Last Sale	$76,950 (Nov 1991)
Tax Bill	$2,709 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011084 03050`

Property Details

APN / Parcel Number

Primary APN	`011084 03050`
Alternative APN	`084 03050`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	864 sqft
Upper Floors Area	864 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	714,820 sqft (16.4 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	288 sqft
Driveway	Driveway
Driveway Area	3,000 sqft
Parking Spaces	1 Parking Space
Pool Area	512 sqft
Porch	Open Porch
Porch Area	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1288 SPRING VALLEY DR
City	PEGRAM
State	TN
Zip	37143-5073
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SPRING VALLEY EST 4A
Legal Subdivision	SPRING VALLEY EST
Legal Lot Number	4A
Jurisdiction	CHEATHAM TN
Township / Civil Division	5
Census Block Group	1
Census Block	1009
Census Tract	70102

Owner

The current owner of 1288 Spring Valley Dr bought it in November 1991.

Source: Cheatham County records, as of February 4, 2026

Owner of Record	Owner Name on File
Mailing Address	1288 SPRING VALLEY DR, PEGRAM, TN 37143-5073
Occupancy	Owner Occupied

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 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Feb 12, 2021	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Nov 27, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
Nov 3, 2017	Deed of Trust, Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 1991 · Amount on File
Deed Sale	Nov 15, 1991 · Amount on File
Deed Document Number	0000314330
Deed Book / Page	314 / 330
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEATHAM TN
Property Address	1288 SPRING VALLEY DR, PEGRAM, TN 37143-5073
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RB 5982470
Date	Feb 2, 2022
Book Page	598/2470
Instrument	225666

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEATHAM TN
Property Address	1288 SPRING VALLEY DR, PEGRAM, TN 37143-5073
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	RB 5781686
Date	Feb 12, 2021
Book Page	578/1686
Instrument	214678

Lender

Name	COGENT BANK
Type	Bank
Address	ASHLAND CITY, TN 37015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jan 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEATHAM TN
Property Address	1288 SPRING VALLEY DR, PEGRAM, TN 37143-5073
Document Number	RB 184101
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1288 SPRING VALLEY DR PEGRAM TN 371435073, PEGRAM, TN 37143-5073

Mortgage

Document Number	RB 184101
Date	Dec 4, 2017
Book Page	000529/001925
Instrument	184101

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEATHAM TN
Property Address	1288 SPRING VALLEY DR, PEGRAM, TN 37143-5073
Document Number	RB 183834
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1288 SPRING VALLEY DR PEGRAM TN 371435073, PEGRAM, TN 37143-5073

Mortgage

Document Number	RB 183834
Date	Nov 20, 2017
Book Page	000529/000728
Instrument	183834

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 19, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1288 Spring Valley Dr was $2,709.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,709.00	$140,500 Land $51,400 Building $89,100
2024			$562,000 Land $205,600 Building $356,400

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

Flood

FEMA maps place 1288 Spring Valley Dr in Zone X, an area of minimal flood risk, though there have been 114 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective February 25, 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
Flood Insurance Cost	Premium on File median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	114 (1978–2024)
Claims Outside the SFHA	25 of 114
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 7 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 49 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 15 claims

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 1288 Spring Valley Dr is low, with a 0.02% annual chance of 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	RIVER ROAD UTILITY DISTRICT serves 3,859 people · EPA ID TN0000582
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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