1531 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1531 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,072 sqft · built 1988
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$156,151 (Jul 2021)
Tax Bill	$1,458 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 13600`

Property Details

APN / Parcel Number

Primary APN	`071123 13600`
Alternative APN	`123 13600`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	1,036 sqft
Upper Floors Area	1,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,112 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1531 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	7
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3051
Census Tract	100

Owner

Source: Putnam County records, as of August 12, 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
Mailing Address	1522 W ERIE AVE, LORAIN, OH 44052-1238
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Dec 28, 2021	Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC
Jul 19, 2021	Warranty Deed, Transfer UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Apr 22, 2002 · Amount on Record
Deed Document Number	2021260108
Deed Book / Page	1322 / 357
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1531 E OVERLOOK RD, MONTEREY, TN 38574-7212
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001376584
Date	Feb 3, 2022
Book Page	1376/584
Instrument	269120

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Dec 28, 2021
Property Address	1531 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	0001367726
Book / Page	1367 / 726
Map Reference	MB 2 PG 54
Instrument Date	Dec 22, 2021
Instrument	267659
Transaction Type	Transfer
Record Updated	Jan 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 W ERIE AVE, LORAIN, OH 44052-1238

Mortgage

Document Number	0000267660
Date	Dec 28, 2021
Instrument	267660

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution

Agreement

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

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 19, 2021
Property Address	1531 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	1322357
Book / Page	1322 / 357
Map Reference	MB 2 PG 54
Instrument Date	Jul 14, 2021
Instrument	260108
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount Recorded
Tax	$577.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3653, CROSSVILLE, TN 38557-3653

Tax Assessment & Valuation

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	$1,458.00 (+7.6%)	$54,800 (-) Land $7,500 Building $47,300
2023		$54,800 Land $7,500 Building $47,300
2022	$1,355.00
2021			$219,200 Land $30,000 Building $189,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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