1651 E Overlook Rd, Monterey, TN 38574 Property Records

Putnam County property record for 1651 E Overlook Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,252 sqft · built 2025
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$38,000 (Sep 2023)
Tax Bill	$2,057 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Feb 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071123 18300`

Property Details

APN / Parcel Number

Primary APN	`071123 18300`
Alternative APN	`123 18300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,252 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2025
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1651 E OVERLOOK RD
City	MONTEREY
State	TN
Zip	38574-7214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	36
Legal Lot Number	16
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3050
Census Tract	100

Owner

Source: Putnam County records, as of January 23, 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
Co-owner	Co-owner on Record
Mailing Address	1537 ELON LN, ENCINITAS, CA 92024-2402
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 27, 2024	Deed of Trust, Mortgage · Construction Mortgage PERSONS BANKING COMPANY
Sep 29, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Sep 7, 2006 · Amount on Record
Deed Document Number	291106
Deed Book / Page	1502 / 358
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1651 E OVERLOOK RD, MONTEREY, TN 38574-7214
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 E OVERLOOK RD, MONTEREY, TN 38574-7214

Mortgage

Document Number	0001601533
Date	Mar 6, 2025
Book Page	1601/533
Instrument	308394

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM TN
Property Address	1651 E OVERLOOK RD, MONTEREY, TN 38574-7214
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 ELON LN, ENCINITAS, CA 92024-2402

Mortgage

Document Number	0001525488
Date	Feb 27, 2024
Book Page	1525/488
Instrument	295461

Lender

Name	PERSONS BANKING COMPANY
Type	Bank
Address	27148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 13, 2025

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Sep 29, 2023
Property Address	1651 E OVERLOOK RD, MONTEREY, TN 38574-7214
Document Number	0001502358
Book / Page	1502 / 358
Map Reference	CAB B SL 23-30
Instrument Date	Sep 20, 2023
Instrument	291106
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$140.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 ELON LN, ENCINITAS, CA 92024-2402

Tax Assessment & Valuation

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	$2,057.00 (+1,011.89%)	$77,325 (+931%) Land $7,500 Building $69,825
2023		$7,500 (-) Land $7,500
2022	$185.00	$7,500 Land $7,500	$30,000 (-90.3%) Land $30,000
2021			$309,300 Land $30,000 Building $279,300

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 8 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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