1548 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1548 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,673 sqft · built 2023
Lot Size	4.2 acres (182,952 sqft)
Owner	2 Company Names on Record
Last Sale	$110,000 (Jul 2021)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Apr 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 21500`

Property Details

APN / Parcel Number

Primary APN	`071123 21500`
Alternative APN	`123 21500`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,673 sqft Living Area
1st Floor Area	2,673 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	182,952 sqft (4.2 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1548 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	13
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3047
Census Tract	100

Owner

Source: Putnam County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1548 E OVERLOOK RD, MONTEREY, TN 38574-7207
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Construction Mortgage ONE BANK OF TENNESSEE
Apr 19, 2022	Intrafamily Transfer, Transfer
Jul 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Nov 12, 2010 · Amount on Record
Deed Document Number	2021260482
Deed Book / Page	1324 / 502
Last Transfer Date	Apr 14, 2022
Transfer Doc	0001396769
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1548 E OVERLOOK RD, MONTEREY, TN 38574-7207
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001441205
Date	Oct 31, 2022
Book Page	1441/205
Instrument	280310

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank
Address	MONTEREY, TN 38574

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM TN
Recording Date	Apr 19, 2022
Property Address	1548 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	0001396769
Book / Page	1396 / 769
Map Reference	CAB B SL 23-30
Instrument Date	Apr 14, 2022
Instrument	272499
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	376 E COVE RD, MONTEREY, TN 38574-7006

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 26, 2021
Property Address	1548 E OVERLOOK RD, MONTEREY, TN 38574-7207
Document Number	0001324502
Book / Page	1324 / 502
Map Reference	CAB B SL 23-30
Instrument Date	Jul 23, 2021
Instrument	260482
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount Recorded
Tax	$407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15599 SW 150TH ST, MIAMI, FL 33196-6211

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	$3,348.00 (+426.42%)	$125,850 (-19.43%) Land $25,725 Building $100,125
2023		$156,200 Land $25,725 Building $130,475
2022	$636.00
2021			$503,400 Land $102,900 Building $400,500

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 53% of the US · above 70% 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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