1504 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1504 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,699 sqft · built 2007
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jul 2024)
Tax Bill	$1,554 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 03500`

Property Details

APN / Parcel Number

Primary APN	`071123 03500`
Alternative APN	`123 03500`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,699 sqft Living Area
1st Floor Area	1,699 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2011
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,296 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	463 sqft
Deck Area	352 sqft
Patio Area	352 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1504 E OVERLOOK RD
City	MONTEREY
State	TN
Zip	38574-7207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	41
Legal Lot Number	2
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3047
Census Tract	100

Owner

Source: Putnam County records, as of January 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
Co-owner	Co-owner on Record
Mailing Address	1504 E OVERLOOK RD, MONTEREY, TN 38574-7207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Sep 11, 2019	Quit Claim Deed, Transfer · VA Mortgage MR COOPER
Feb 10, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Jun 27, 2007 · Amount on Record
Deed Document Number	300206
Deed Book / Page	1553 / 494
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1504 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001386390
Date	Mar 14, 2022
Book Page	1386/390
Instrument	270805

Lender

Name	FIRSTBANK
Type	Bank
Address	37054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM TN
Recording Date	Sep 11, 2019
Property Address	1504 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	RB114528
Book / Page	001145 / 000028
Instrument Date	Sep 3, 2019
Instrument	230646
Transaction Type	Transfer
Record Updated	May 6, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1504 E OVERLOOK RD MONTEREY TN 385747207, MONTEREY, TN 38574-7207

Mortgage

Document Number	RB114533
Date	Sep 11, 2019
Book Page	001145/000033
Instrument	230647

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1504 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	RB1042584
Instrument Date	Feb 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1504 E OVERLOOK RD MONTEREY TN 385747207, MONTEREY, TN 38574-7207

Mortgage

Document Number	RB1042584
Date	Feb 20, 2018
Book Page	001042/000584
Instrument	210747

Lender

Name	SUNTRUST BK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,554.00 (+7.62%)	$58,425 (-) Land $8,750 Building $49,675
2023		$58,425 Land $8,750 Building $49,675
2022	$1,444.00
2021			$233,700 Land $35,000 Building $198,700

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

Flood

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

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 21 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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