Sumner County property record for 180 Ben Albert Rd, Cottontown, TN 37048
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,690 sqft · built 1986 |
| Lot Size | 6.03 acres (262,667 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $870,000 (Oct 2021) |
| Tax Bill | $2,740 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Jul 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083096 07706 |
| Primary APN | 083096 07706 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,690 sqft Living Area |
| 1st Floor Area | 2,690 sqft |
| Basement Area | 2,690 sqft |
| Finished Basement | 1,990 sqft |
| Unfinished Basement | 700 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 262,667 sqft (6.03 acres) |
| Terrain | Rolling |
| Pool Area | 800 sqft |
|---|---|
| Porch | Enclosed Porch |
| Deck Area | 392 sqft |
| Patio Area | 400 sqft |
| Stable | 1,728 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 180 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: 0007 SUBD: |
| Legal Lot Number | 7 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20406 |
Source: Sumner County records, as of January 19, 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 | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Jul 21, 2021 | Deed of Trust, Mortgage · Line of Credit PERSONS BANKING COMPANY |
| Aug 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on Record |
| Deed Sale | Oct 26, 2021 · Amount on Record |
| Deed Document Number | 1388195 |
| Deed Book / Page | 5759 / 428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Oct 26, 2021 |
| Property Address | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Document Number | 0057590428 |
| Book / Page | 5759 / 428 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 1388195 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2021 |
| Title Company | PROPERTY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,219.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Document Number | 5759430 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 5759/430 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Document Number | 0056630048 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 5663/48 |
| Instrument | 1374362 |
| Name | PERSONS BANKING COMPANY |
|---|---|
| Type | Bank |
| Address | PORTLAND, TN 37148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 9, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 180 BEN ALBERT RD, COTTONTOWN, TN 37048-5162 |
| Document Number | 0050070712 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 180 BEN ALBERT RD COTTONTOWN TN 370485162, COTTONTOWN, TN 37048-5162 |
| Document Number | 0050070712 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 005007/000712 |
| Instrument | 1279298 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Sumner County assessment roll, as of May 20, 2025
| 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 | $2,740.00 (+14.36%) | $192,825 (+81.23%) Land $60,100 Building $132,725 | |
| 2024 | $771,300 (+81.23%) Land $240,400 Building $530,900 | ||
| 2023 | $2,396.00 (-0.46%) | $106,400 (-) Land $33,650 Building $72,750 | |
| 2022 | $2,407.00 | $106,400 Land $33,650 Building $72,750 | |
| 2021 | $425,600 Land $134,600 Building $291,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 0.01% 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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