170 Ben Albert Rd, Cottontown, TN 37048 Property Records

Sumner County property record for 170 Ben Albert Rd, Cottontown, TN 37048

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,950 sqft · built 2022
Lot Size	5.69 acres (247,856 sqft)
Owner	Individual Name on Record
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`083096 07704`

Property Details

APN / Parcel Number

Primary APN	`083096 07704`
Alternative APN	`096 07704`

Interior

Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,950 sqft Living Area
Gross Area	3,008 sqft
1st Floor Area	832 sqft
Upper Floors Area	1,408 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	247,856 sqft (5.69 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	981 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	Deck Area
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	170 BEN ALBERT RD
City	COTTONTOWN
State	TN
Zip	37048-5162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: PAGE: BLOCK: LOT: 0005 SUBD:
Legal Lot Number	5
Jurisdiction	SUMNER TN
Township / Civil Division	12
Census Block Group	1
Census Block	1007
Census Tract	20406

Owner

Source: Sumner County records, as of January 21, 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	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Aug 27, 2021	Deed of Trust, Mortgage · Construction Mortgage PERSONS BANKING COMPANY
Sep 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Sep 1, 2017	Deed of Trust, Mortgage · Construction Mortgage THE FARMERS BANK
Aug 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 26, 2022
Transfer Doc	0060240021
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162

Mortgage

Document Number	0062570589
Date	Oct 26, 2023
Book Page	6257/589
Instrument	1465003

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	WHITE HOUSE, TN 37188

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Transaction Type	Mortgage
Record Updated	Apr 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 MONTELENA DR, WHITE HOUSE, TN 37188-2700

Mortgage

Document Number	0056990093
Date	Aug 27, 2021
Book Page	5699/93
Instrument	1379675

Lender

Name	PERSONS BANKING COMPANY
Type	Bank
Address	PORTLAND, TN 37148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 24, 2022

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMNER TN
Recording Date	Sep 1, 2022
Property Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Document Number	0060240021
Book / Page	6024 / 21
Instrument Date	Aug 26, 2022
Instrument	1428310
Transaction Type	Transfer
Record Updated	Apr 10, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162

Mortgage

Document Number	0000602423
Date	Sep 1, 2022
Instrument	6024/23

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046000414
Date	Sep 1, 2017
Book Page	4600/414
Instrument	1207110

Lender

Name	THE FARMERS BANK
Type	Bank
Address	PORTLAND, TN 37148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Aug 21, 2018

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMNER TN
Recording Date	Aug 8, 2017
Property Address	170 BEN ALBERT RD, COTTONTOWN, TN 37048-5162
Document Number	0045850114
Book / Page	004585 / 000114
Instrument Date	Aug 8, 2017
Instrument	1204344
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 BEN ALBERT RD COTTONTOWN TN 370485162, COTTONTOWN, TN 37048-5162

Tax Assessment & Valuation

Source: Sumner County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Sumner County
Unified School District	Sumner County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,644.00 (+4%)	$256,425 (+64.8%) Land $58,450 Building $197,975
2024			$1,025,700 (+64.8%) Land $233,800 Building $791,900
2023	$3,504.00 (+332.06%)	$155,600 (-) Land $32,850 Building $122,750
2022	$811.00	$155,600 Land $32,850 Building $122,750
2021			$622,400 Land $131,400 Building $491,000

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 July 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Cumberland Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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