Sumner County property record for 174 Ben Albert Rd, Cottontown, TN 37048
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,775 sqft · built 1986 |
| Lot Size | 5.92 acres (257,875 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,700 (Nov 2003) |
| Tax Bill | $1,743 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 083096 07705 |
| Primary APN | 083096 07705 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,775 sqft Living Area |
| Gross Area | 1,931 sqft |
| 1st Floor Area | 1,775 sqft |
| Basement Area | 375 sqft |
| Finished Basement | 375 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 257,875 sqft (5.92 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 1,110 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 156 sqft |
| Patio Area | 206 sqft |
| Shed | 1 Shed |
| Shed Area | 576 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 174 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: 6 SUBD: |
| Legal Lot Number | 6 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20406 |
Source: Sumner County records, as of April 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 |
|---|---|
| Mailing Address | 174 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2003 · Amount on Record |
| Deed Sale | Nov 24, 2003 · Amount on Record |
| Prior Sale | Sep 26, 2003 · Amount on Record |
| Deed Document Number | 2003681797 |
| Deed Book / Page | 1897 / 796 |
| Prior Transfer Date | May 21, 1998 |
| Prior Transfer Doc | 0000434779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 174 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Title Company | TITLE365 COMPANY |
| Name | Verified Name |
|---|---|
| Address | 174 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Document Number | 0067770805 |
|---|---|
| Date | Feb 5, 2026 |
| Book Page | 6777/805 |
| Instrument | 1540781 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Sumner County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,743.00 (+14.3%) | $122,675 (+81.2%) Land $59,600 Building $63,075 | |
| 2024 | $490,700 (+81.2%) Land $238,400 Building $252,300 | ||
| 2023 | $1,525.00 (-0.39%) | $67,700 (-) Land $33,375 Building $34,325 | |
| 2022 | $1,531.00 | $67,700 Land $33,375 Building $34,325 | |
| 2021 | $270,800 Land $133,500 Building $137,300 |
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.
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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