Sumner County property record for 181 Ben Albert Rd, Cottontown, TN 37048
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,750 sqft · built 1974 |
| Lot Size | 7.17 acres (312,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Dec 2014) |
| Tax Bill | $1,720 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083096 07802 |
| Primary APN | 083096 07802 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 312,761 sqft (7.17 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 4,115 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 181 BEN ALBERT RD |
|---|---|
| City | COTTONTOWN |
| State | TN |
| Zip | 37048-5153 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 15, COUNTY AREA: W00 |
| Legal Subdivision | ETAL IN NOTES SHED ADD |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | 181 BEN ALBERT RD, COTTONTOWN, TN 37048-5153 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Feb 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2014 · Amount on Record |
| Deed Sale | Dec 29, 2014 · Amount on Record |
| Prior Sale | Jun 8, 1999 · Amount on Record |
| Deed Document Number | 1105291 |
| Deed Book / Page | 4046 / 717 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 181 BEN ALBERT RD, COTTONTOWN, TN 37048-5153 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 181 BEN ALBERT RD, COTTONTOWN, TN 37048-5153 |
| Document Number | 0059650105 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 5965/105 |
| Instrument | 1418843 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 181 BEN ALBERT RD, COTTONTOWN, TN 37048-5153 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FAITH TITLE & ESCROW INC |
| Name | Verified Name |
|---|
| Document Number | 0053850423 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 5385/423 |
| Instrument | 1334831 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 181 BEN ALBERT RD, COTTONTOWN, TN 37048-5153 |
| Document Number | 0049010738 |
| Instrument Date | Feb 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 181 BEN ALBERT RD COTTONTOWN TN 370485153, COTTONTOWN, TN 37048-5153 |
| Document Number | 0049010738 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 004901/000738 |
| Instrument | 1261122 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 4, 2049 |
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 | $1,720.00 (+19.36%) | $121,050 (+89.21%) Land $63,275 Building $57,775 | |
| 2024 | $484,200 (+89.21%) Land $253,100 Building $231,100 | ||
| 2023 | $1,441.00 (-0.41%) | $63,975 (-) Land $36,300 Building $27,675 | |
| 2022 | $1,447.00 | $63,975 Land $36,300 Building $27,675 | |
| 2021 | $255,900 Land $145,200 Building $110,700 |
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 | 0.01% 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 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 |
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