1406 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1406 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,174 sqft · built 2023
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Aug 2023)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071104 15500`

Property Details

APN / Parcel Number

Primary APN	`071104 15500`
Alternative APN	`104 15500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,174 sqft Living Area
1st Floor Area	2,174 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1406 E OVERLOOK RD
City	MONTEREY
State	TN
Zip	38574-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	44
Legal Lot Number	5
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3036
Census Tract	100

Owner

1406 E Overlook Rd is owned and occupied by two individuals who bought it in August 2023.

Source: Putnam County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1406 E OVERLOOK RD, MONTEREY, TN 38574-7206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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
Aug 15, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 17, 2022	Warranty Deed, Transfer
Apr 9, 2021	Warranty Deed, Transfer UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on File
Deed Sale	Aug 15, 2023 · Amount on File
Prior Sale	Feb 17, 2022 · Amount on File
Deed Document Number	2023289644
Deed Book / Page	1494 / 204
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Aug 15, 2023
Property Address	1406 E OVERLOOK RD, MONTEREY, TN 38574-7206
Document Number	0001494204
Book / Page	1494 / 204
Map Reference	CAB A SL 130-137
Instrument Date	Jul 31, 2023
Instrument	289644
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 E OVERLOOK RD, MONTEREY, TN 38574-7206

Mortgage

Document Number	0000289647
Date	Aug 15, 2023
Instrument	289647

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Feb 17, 2022
Property Address	1406 E OVERLOOK RD, MONTEREY, TN 38574-7206
Document Number	0001380434
Book / Page	1380 / 434
Map Reference	CAB A SL 130-137
Instrument Date	Feb 15, 2022
Instrument	269811
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount on Record
Tax	$129.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 OLD BEAN SHED RD, CLARKRANGE, TN 38553-5423
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Apr 9, 2021
Property Address	1406 E OVERLOOK RD, MONTEREY, TN 38574-7206
Document Number	0001293736
Book / Page	1293 / 736
Map Reference	CAB A SL 130-137
Instrument Date	Apr 5, 2021
Instrument	255317
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount on Record
Tax	$92.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 GALLAHER LN, CLARKRANGE, TN 38553-5361

Tax Assessment & Valuation

The 2025 property tax bill for 1406 E Overlook Rd was $2,416.

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

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	$2,416.00	$90,825 Land $7,500 Building $83,325
2023		$99,675 (+1,229%) Land $7,500 Building $92,175
2022	$185.00	$7,500 Land $7,500	$30,000 (-91.74%) Land $30,000
2021			$363,300 Land $30,000 Building $333,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1406 E Overlook Rd 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 1406 E Overlook Rd is moderate, ranking above 48% 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 48% of the US · above 65% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

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

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