Montgomery County property record for 1920 Flats Rd, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 1,379 sqft · built 2025 |
| Lot Size | 2.37 acres (103,237 sqft) |
| Owner | Individual Name on File |
| Last Sale | $344,900 (Jun 2025) |
| Tax Bill | $2,794 (2025) |
| Deeds & Mortgages | Apr 2025 Construction Loan Jun 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 141 86.04 20141 |
| Primary APN | 141 86.04 20141 |
|---|---|
| Alternative APN |
|
| Building Area | 1,379 sqft Living Area |
|---|---|
| 1st Floor Area | 1,379 sqft |
| Flooring | Carpet |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 103,237 sqft (2.37 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1920 FLATS RD |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Subdivision | THE FLATS |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 101701 |
Source: Montgomery County assessment roll, APN 141 86.04 20141, as of May 5, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 1920 FLATS RD, CUNNINGHAM, TN 37052-2002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Apr 09, 2025 | Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK |
| Jun 13, 2025 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 13, 2025 · Amount on Record |
| Deed Sale | Jun 13, 2025 · Amount on Record |
| Deed Document Number | 20251504116 |
| Deed Book / Page | 2443 / 2635 |
| Prior Transfer Date | Mar 11, 2025 |
| Prior Transfer Doc | 0001492762 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 1920 FLATS RD, CUNNINGHAM, TN 37052-2002 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Title Company | STEWART TITLE COMPANY-MIDLAND DIV, STEWART TITLE COMPANY TN DIV |
| Name | Verified Name |
|---|
| Document Number | 02434/1178 |
|---|---|
| Date | Apr 09, 2025 |
| Book Page | 2434/1178 |
| Instrument | 1496063 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | OLATON, KY 42361 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jun 13, 2025 |
| Property Address | 1920 FLATS RD, CUNNINGHAM, TN 37052-2002 |
| Document Number | 02443/2635 |
| Book / Page | 2443 / 2635 |
| Map Reference | MB M PG 35 |
| Instrument Date | Jun 09, 2025 |
| Instrument | 1504116 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 05, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,276.13 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1920 FLATS RD, CUNNINGHAM, TN 37052-2002 |
| Document Number | 0001504117 |
|---|---|
| Date | Jun 13, 2025 |
| Instrument | 1504117 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
Source: Montgomery County assessment roll as of May 5, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,794.00 | $91,025 | $364,100 Land $78,900 Building $285,200 |
Source: FEMA National Flood Hazard Layer, Montgomery County (47125C), as of January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471251017012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 10 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system TN0000167, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CUNNINGHAM UTILITY DISTRICT serves 16,068 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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