1551 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1551 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 2024
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Company Names on Record
Last Sale	$31,500 (Apr 2022)
Tax Bill	$1,553 (2025)
Deeds & Mortgages	Jan 2024 Construction Loan May 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 14100`

Property Details

APN / Parcel Number

Primary APN	`071123 14100`
Alternative APN	`123 14100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,770 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	187,308 sqft (4.3 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1551 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	12
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3051
Census Tract	100

Owner

Source: Putnam County records, as of February 17, 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	1551 E OVERLOOK RD, MONTEREY, TN 38574-7212
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Construction Mortgage FARM CREDIT MID AMERICA FLCA
May 23, 2025	Intrafamily Transfer, Transfer
Apr 27, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	Nov 18, 2016 · Amount on Record
Deed Document Number	2022272886
Deed Book / Page	1399 / 219
Last Transfer Date	May 13, 2025
Transfer Doc	0000016191
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1551 E OVERLOOK RD, MONTEREY, TN 38574-7212
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1172, GROTON, MA 01450-3172

Mortgage

Document Number	0001516508
Date	Jan 2, 2024
Book Page	1516/508
Instrument	293818

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40299

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM TN
Recording Date	May 23, 2025
Property Address	1551 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	0000016191
Book / Page	1619 / 1
Map Reference	CAB B SL 23-30
Instrument Date	May 13, 2025
Instrument	311307
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1551 E OVERLOOK RD, MONTEREY, TN 38574-7212

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Apr 27, 2022
Property Address	1551 E OVERLOOK RD, MONTEREY, TN 38574-7212
Document Number	0001399219
Book / Page	1399 / 219
Map Reference	CAB B SL 23-30
Instrument Date	Feb 25, 2022
Instrument	272886
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$116.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 234, PLEASANT HILL, TN 38578-0234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 RADDIN RD, GROTON, MA 01450-1414

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	$1,553.00 (+696.41%)	$58,400 (+641.59%) Land $7,875 Building $50,525
2023		$7,875 (-) Land $7,875
2022	$195.00	$7,875 Land $7,875	$31,500 (-86.52%) Land $31,500
2021			$233,600 Land $31,500 Building $202,100

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 55% of the US · above 73% 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 17 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

Nearby Properties on E Overlook Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures