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1904 Flats Rd, Cunningham, TN 37052 Property Records

Montgomery County property record for 1904 Flats Rd, Cunningham, TN 37052

Property Summary

Property TypeSingle Family Home
Details1,482 sqft · built 2025
Lot Size3.52 acres (153,331 sqft)
Owner2 Individual Names on Record
Last Sale$455,000 (Oct 2025)
Tax Bill$3,409 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Jun 2025 Transfer
Flood ZoneZone X (minimal risk)
APN141 86.06 20141

Property Details

APN / Parcel Number

Primary APN141 86.06 20141
Alternative APN
  • 141 08606 00020141

Interior

Building Area1,482 sqft Living Area
1st Floor Area1,226 sqft
FlooringWood

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area153,331 sqft (3.52 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address1904 FLATS RD
CityCUNNINGHAM
StateTN
Zip37052-2002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG
Legal SubdivisionTHE FLATS
Legal Lot Number6
JurisdictionMONTGOMERY TN
Township / Civil Division6
Census Block Group2
Census Block2052
Census Tract101701

Owner

Source: Montgomery County records, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1904 FLATS RD, CUNNINGHAM, TN 37052-2002
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2025Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
LEGENDS BANK
Jun 4, 2025Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 22, 2025 · Amount on Record
Deed SaleOct 22, 2025 · Amount on Record
Deed Document Number20251519967
Deed Book / Page2462 / 1295
Prior Transfer DateJun 3, 2025
Prior Transfer Doc002442/112
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY TN
Recording DateOct 22, 2025
Property Address1904 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number02462/1295
Book / Page2462 / 1295
Map ReferenceMB M PG 35
Instrument DateOct 15, 2025
Instrument1519967
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 5, 2026
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,683.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1904 FLATS RD, CUNNINGHAM, TN 37052-2002

Mortgage

Document Number0001519968
DateOct 22, 2025
Instrument1519968
Lender
NameLEGENDS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 1, 2040

June 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTGOMERY TN
Recording DateJun 4, 2025
Property Address1904 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number002442/112
Book / Page2442 / 112
Map ReferenceMB M PG 35
Instrument DateJun 3, 2025
Instrument1502898
Transaction TypeTransfer
Record UpdatedNov 4, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyMontgomery County
Unified School DistrictClarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,409.00 (+409.57%)$111,050 (+396.31%)$444,200 (+396.31%) Land $89,500 Building $354,700
2024$669.00$22,375$89,500 Land $89,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force

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 RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemCUNNINGHAM UTILITY DISTRICT
serves 16,068 people · EPA ID TN0000167
Water SourcePurchased surface water from several systems
Last State InspectionMar 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 10 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cumberland Connect
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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