1520 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1520 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,952 sqft · built 2022
Lot Size	4.69 acres (204,732 sqft)
Owner	Individual Name on File
Last Sale	$29,900 (Jan 2021)
Tax Bill	$2,479 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`071123 13100`

Property Details

APN / Parcel Number

Primary APN	`071123 13100`
Alternative APN	`123 13100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,952 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	204,732 sqft (4.69 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,632 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	168 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1520 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	6
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3047
Census Tract	100

Owner

1520 E Overlook Rd is owned and occupied by an individual who bought it in January 2021.

Source: Putnam County records, as of January 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1520 E OVERLOOK RD, MONTEREY, TN 38574-7207
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Mar 29, 1995 · Amount on File
Deed Document Number	251320
Deed Book / Page	1268 / 782
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1520 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 E OVERLOOK RD, MONTEREY, TN 38574-7207

Mortgage

Document Number	0001436787
Date	Oct 6, 2022
Book Page	1436/787
Instrument	279552

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jan 15, 2021
Property Address	1520 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	0001268782
Book / Page	1268 / 782
Map Reference	CAB B SL 23-30
Instrument Date	Jan 14, 2021
Instrument	251320
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Tax	$110.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 SAW MILL RD, MONTEREY, TN 38574-7308

Tax Assessment & Valuation

The 2025 property tax bill for 1520 E Overlook Rd was $2,479.

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	$2,479.00	$93,200 (-) Land $8,375 Building $84,825
2024	$2,479.00	$93,200 (-10.81%) Land $8,375 Building $84,825
2023		$104,500 Land $8,375 Building $96,125
2022	$2,583.00
2021			$372,800 Land $33,500 Building $339,300

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

Flood

FEMA maps place 1520 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 1520 E Overlook Rd is moderate, ranking above 50% 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 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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