1516 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1516 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2021
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (May 2019)
Tax Bill	$1,477 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`071123 03800`

Property Details

APN / Parcel Number

Primary APN	`071123 03800`
Alternative APN	`123 03800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,568 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Porch	Open Porch
Deck Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1516 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	5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3988 HANSON RD, WHITE PLAINS, MD 20695-2647
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit ONE BANK OF TENNESSEE
Dec 14, 2020	Deed of Trust, Construction Loan · Construction Mortgage ONE BK/TENNESSEE
May 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jul 2, 2018	Warranty Deed, Transfer · Conventional Mortgage DAVID & JULIE PIROLO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2019 · Amount on Record
Deed Sale	May 6, 2019 · Amount on Record
Prior Sale	Jul 19, 1996 · Amount on Record
Deed Document Number	225767
Deed Book / Page	1118 / 446
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Feb 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207

Mortgage

Document Number	0001673400
Date	Jan 30, 2026
Book Page	1673/400
Instrument	320465

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Investor	Possibly a Property Investor

Mortgage

Document Number	0001655254
Date	Oct 30, 2025
Book Page	1655/254
Instrument	317352

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001453198
Date	Jan 9, 2023
Book Page	1453/198
Instrument	282470

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Dec 14, 2020
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	RB1259558
Book / Page	001259 / 000558
Instrument Date	Nov 28, 2020
Instrument	249895
Transaction Type	Construction Loan
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 E OVERLOOK RD MONTEREY TN 385747207, MONTEREY, TN 38574-7207

Mortgage

Document Number	RB1259558
Date	Dec 14, 2020
Book Page	001259/000558
Instrument	249895

Lender

Name	ONE BK/TENNESSEE
Address	LIVINGSTON, TN 38570

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	May 6, 2019
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	RB1118446
Book / Page	001118 / 000446
Instrument Date	May 3, 2019
Instrument	225767
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$129.50
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	3988 HANSON RD WHITE PLAINS MD 206952647, WHITE PLAINS, MD 20695-2647

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 2, 2018
Property Address	1516 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	RB1066542
Book / Page	001066 / 000542
Instrument Date	Jun 22, 2018
Instrument	215421
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,147.00
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	1512 E OVERLOOK RD MONTEREY TN 385747207, MONTEREY, TN 38574-7207

Mortgage

Document Number	RB1066544
Date	Jul 2, 2018
Book Page	001066/000544
Instrument	215422

Lender

Name	DAVID & JULIE PIROLO
Address	931 WARD MILL RD, BAXTER, TN 38544
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2038

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	$1,477.00 (+7.57%)	$55,525 (-) Land $7,500 Building $48,025
2023		$55,525 Land $7,500 Building $48,025
2022	$1,373.00
2021			$222,100 Land $30,000 Building $192,100

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

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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