1928 Flats Rd, Cunningham, TN 37052 Property Records

Montgomery County property record for 1928 Flats Rd, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	1,383 sqft · built 2025
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on Record
Last Sale	$344,900 (Jun 2025)
Tax Bill	$2,753 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`141 86.03 20141`

Property Details

APN / Parcel Number

Primary APN	`141 86.03 20141`
Alternative APN	`141 08603 00020141`

Interior

Building Area	1,383 sqft Living Area
1st Floor Area	1,383 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	83,635 sqft (1.92 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1928 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	3
Jurisdiction	MONTGOMERY TN
Township / Civil Division	6
Census Block Group	2
Census Block	2052
Census Tract	101701

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 Record	Individual Name on Record
Mailing Address	1928 FLATS RD, CUNNINGHAM, TN 37052-2002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK
Jun 30, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage LEGENDS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Deed Document Number	20251506115
Deed Book / Page	2445 / 3826
Prior Transfer Date	Mar 11, 2025
Prior Transfer Doc	0001492761
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	1928 FLATS RD, CUNNINGHAM, TN 37052-2002
Transaction Type	Mortgage
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY-MIDLAND DIV, STEWART TITLE COMPANY TN DIV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02434/1200
Date	Apr 9, 2025
Book Page	2434/1200
Instrument	1496065

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 3, 2026

June 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jun 30, 2025
Property Address	1928 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	02445/3826
Book / Page	2445 / 3826
Map Reference	MB M PG 35
Instrument Date	Jun 30, 2025
Instrument	1506115
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,276.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1928 FLATS RD, CUNNINGHAM, TN 37052-2002

Mortgage

Document Number	02445/3829
Date	Jun 30, 2025
Book Page	2445/3829
Instrument	1506116

Lender

Name	LEGENDS BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,753.00	$89,675	$358,700 Land $74,800 Building $283,900

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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	6 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 Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 System	CUNNINGHAM UTILITY DISTRICT serves 16,068 people · EPA ID TN0000167
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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, 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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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