1515 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1515 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,632 sqft · built 2022
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Sep 2023)
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071123 13000`

Property Details

APN / Parcel Number

Primary APN	`071123 13000`
Alternative APN	`123 13000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,632 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1515 E OVERLOOK RD
City	MONTEREY
State	TN
Zip	38574-7212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	39
Legal Lot Number	3
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3051
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	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Apr 6, 2022	Warranty Deed, Construction Loan · Construction Mortgage ONE BANK OF TENNESSEE
Dec 7, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on Record
Deed Sale	Sep 12, 2023 · Amount on Record
Prior Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	290504
Deed Book / Page	1498 / 788
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212

Mortgage

Document Number	0000016661
Date	Dec 17, 2025
Book Page	1666/1
Instrument	319161

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Sep 12, 2023
Property Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	0001498788
Book / Page	1498 / 788
Map Reference	CAB B SL 23-30
Instrument Date	Sep 11, 2023
Instrument	290504
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	NOT AVAILABLE, VOLUNTEER T&E SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212

Mortgage

Document Number	0000290505
Date	Sep 12, 2023
Instrument	290505

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Apr 6, 2022
Property Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	0001393222
Book / Page	1393 / 222
Map Reference	CAB B SL 23-30
Instrument Date	Mar 4, 2022
Instrument	271915
Transaction Type	Construction Loan
Record Updated	Apr 18, 2024
Title Company	NOT AVAILABLE, VOLUNTEER T&E SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	741 AL GOSS RD, CROSSVILLE, TN 38571-0703

Mortgage

Document Number	0000271916
Date	Apr 6, 2022
Instrument	271916

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Dec 7, 2020
Property Address	1515 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	RB125855
Book / Page	001258 / 000055
Instrument Date	Nov 20, 2020
Instrument	249588
Transaction Type	Transfer
Record Updated	Jan 7, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$111.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4182 N MAIN ST EAST BERKSHIRE VT 054479727, EAST BERKSHIRE, VT 05447-9727

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	$2,931.00 (+1,484.32%)	$110,175 (-16.91%) Land $7,500 Building $102,675
2023		$132,600 (+1,668%) Land $7,500 Building $125,100
2022	$185.00	$7,500 Land $7,500	$30,000 (-93.19%) Land $30,000
2021			$440,700 Land $30,000 Building $410,700

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 50% of the US · above 67% 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 19 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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