1635 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1635 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,944 sqft · built 2020
Lot Size	4.7 acres (204,732 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Nov 2024)
Tax Bill	$1,919 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 16500`

Property Details

APN / Parcel Number

Primary APN	`071123 16500`
Alternative APN	`123 16500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,944 sqft Living Area
1st Floor Area	1,944 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	204,732 sqft (4.7 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1635 E OVERLOOK RD
City	MONTEREY
State	TN
Zip	38574-7213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	37
Legal Lot Number	12
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3048
Census Tract	100

Owner

Source: Putnam County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1435 E OVERLOOK RD, MONTEREY, TN 38574-7210
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK
Jul 17, 2019	Deed of Trust, Construction Loan · Line of Credit FIRST NAT'L BK/TN
May 3, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2024 · Amount on Record
Deed Sale	Nov 19, 2024 · Amount on Record
Prior Sale	May 21, 2020 · Amount on Record
Deed Document Number	2024304787
Deed Book / Page	1580 / 673
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	May 21, 2020
Property Address	1635 E OVERLOOK RD, MONTEREY, TN 38574-7213
Document Number	RB1199251
Book / Page	001199 / 000251
Instrument Date	May 20, 2020
Instrument	240008
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.00
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	1635 E OVERLOOK RD MONTEREY TN 385747213, MONTEREY, TN 38574-7213

Mortgage

Document Number	RB1199253
Date	May 21, 2020
Book Page	001199/000253
Instrument	240009

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

July 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Recording Date	Jul 17, 2019
Property Address	1635 E OVERLOOK RD, MONTEREY, TN 38574-7213
Document Number	RB1132467
Book / Page	001132 / 000467
Instrument Date	Jul 12, 2019
Instrument	228456
Transaction Type	Construction Loan
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 L HENRY RD CROSSVILLE TN 385716009, CROSSVILLE, TN 38571-6009

Mortgage

Document Number	RB1132467
Date	Jul 17, 2019
Book Page	001132/000467
Instrument	228456

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 16, 2020

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	May 3, 2019
Property Address	1635 E OVERLOOK RD, MONTEREY, TN 38574-7213
Document Number	RB1118328
Book / Page	001118 / 000328
Instrument Date	Apr 30, 2019
Instrument	225730
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$111.00
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	117 L HENRY RD CROSSVILLE TN 385716009, CROSSVILLE, TN 38571-6009

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	$1,919.00 (+7.57%)	$72,150 (-) Land $8,375 Building $63,775
2023		$72,150 Land $8,375 Building $63,775
2022	$1,784.00
2021			$288,600 Land $33,500 Building $255,100

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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