1944 Flats Rd, Cunningham, TN 37052 Property Records

Montgomery County property record for 1944 Flats Rd, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,578 sqft · built 2024
Lot Size	2.57 acres (111,949 sqft)
Owner	Company Name on File
Last Sale	$419,900 (Dec 2024)
Tax Bill	$2,055 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Dec 2024 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`141 86.00`

Property Details

APN / Parcel Number

Primary APN	`141 86.00`
Alternative APNs	`141 08600 000` `67834`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Living Area
Gross Area	2,004 sqft
1st Floor Area	3,584 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	111,949 sqft (2.57 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	340 sqft
Deck Area	Deck Area
Patio Area	352 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1944 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	1
Jurisdiction	MONTGOMERY TN
Township / Civil Division	6
Census Block Group	2
Census Block	2052
Census Tract	101701

Owner

Source: Montgomery County assessment roll, 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	Company Name on File
Mailing Address	184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK
Dec 30, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LEGACY HOME LOANS LLC
Jul 31, 2024	Quit Claim Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Oct 25, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 28, 2022	Intrafamily Transfer, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 9, 2022	Intrafamily Transfer, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Oct 13, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 30, 2024 · Amount on Record
Deed Sale	Dec 30, 2024 · Amount on Record
Prior Sale	Oct 25, 2022 · Amount on Record
Deed Document Number	20241485352
Deed Book / Page	2420 / 538
Prior Transfer Date	Sep 13, 2022
Prior Transfer Doc	02254/2198
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	1944 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
Address	184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038

Mortgage

Document Number	02389/2361
Date	Aug 16, 2024
Book Page	2389/2361
Instrument	1471071

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Dec 30, 2024
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	002420/538
Book / Page	2420 / 538
Map Reference	MB M PG 35
Instrument Date	Dec 20, 2024
Instrument	1485352
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,553.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1944 FLATS ROAD, CUNNINGHAM, TN 37052-2002

Mortgage

Document Number	0001485353
Date	Dec 30, 2024
Instrument	1485353

Lender

Name	LEGACY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jul 31, 2024
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	02385/2851
Book / Page	2385 / 2851
Map Reference	MB M PG 35
Instrument Date	Jul 31, 2024
Instrument	1469168
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Oct 25, 2022
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052
Document Number	02260/1151
Book / Page	2260 / 1151
Map Reference	MB M PG 35
Instrument Date	Oct 18, 2022
Instrument	1402209
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 19, 2024
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 MCWHORTER RD, CUNNINGHAM, TN 37052-7404

Mortgage

Document Number	02260/1154
Date	Oct 25, 2022
Book Page	2260/1154
Instrument	1402210

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY TN
Recording Date	Sep 28, 2022
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	02254/2198
Book / Page	2254 / 2198
Map Reference	MB M PG 35
Instrument Date	Sep 13, 2022
Instrument	1399132
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY TN
Recording Date	Sep 9, 2022
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	02250/1784
Book / Page	2250 / 1784
Map Reference	MB M PG 35
Instrument Date	Sep 9, 2022
Instrument	1396762
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 INDUSTRIAL DR, CLARKSVILLE, TN 37040-6038
Investor	Possibly a Property Investor

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Oct 13, 2021
Property Address	1944 FLATS RD, CUNNINGHAM, TN 37052-2002
Document Number	02147/2113
Book / Page	2147 / 2113
Map Reference	VOL 2145 PG 922
Instrument Date	Oct 13, 2021
Instrument	1343939
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1966 HIGHWAY 13, CUNNINGHAM, TN 37052-5063

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	$2,055.00 (+384.67%)	$97,850 (+384.41%)	$391,400 (+384.41%) Land $80,800 Building $310,600
2024	$424.00 (+45.7%)	$20,200 (-70.53%)	$80,800 (-70.53%) Land $80,800
2023	$291.00 (-85.8%)	$68,550 (-)
2022	$2,050.00	$68,550	$274,200 Land $187,200 Building $87,000

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 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 at the parcel

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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