20 Devil Creek Pl, Monterey, TN 38574 Property Records

Cumberland County property record for 20 Devil Creek Pl, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 ba · 897 sqft · built 1987
Lot Size	5.09 acres (222,156 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Sep 2023)
Tax Bill	$541 (2025)
Deeds & Mortgages	Sep 2023 Sale Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018046 00128`

Property Details

APN / Parcel Number

Primary APN	`018046 00128`
Alternative APN	`046 00128`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	897 sqft Living Area
1st Floor Area	690 sqft
Upper Floors Area	345 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	222,156 sqft (5.09 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	432 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	643 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Utility Building	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	20 DEVIL CREEK PL
City	MONTEREY
State	TN
Zip	38574-7074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	5
Legal Lot Number	9
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3019
Census Tract	970302

Owner

Source: Cumberland County records, as of January 26, 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	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer NOT AVAILABLE, VOLUNTEER T&E SVCS LLC
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage WILSON BANK & TRUST
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Jan 12, 2022 · Amount on Record
Deed Document Number	23011401
Deed Book / Page	1681 / 44
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Sep 20, 2023
Property Address	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074
Document Number	0000011401
Book / Page	1681 / 44
Map Reference	MB 8 PG 167-181
Instrument Date	Sep 20, 2023
Instrument	23011401
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	NOT AVAILABLE, VOLUNTEER T&E SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,295.00
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 in Common
Address	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Jan 12, 2022
Property Address	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074
Document Number	0000000923
Book / Page	1633 / 1150
Map Reference	MB 8 PG 167-181
Instrument Date	Jan 5, 2022
Instrument	22000923
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	UPPER CUMBERLAND TITLE COMPANY LLC, UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074

Mortgage

Document Number	0000000924
Date	Jan 12, 2022
Instrument	22000924

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	20 DEVIL CREEK PL, MONTEREY, TN 38574-7074
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009859
Date	Jul 2, 2021
Book Page	1615/65
Instrument	21009859

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Cumberland County
Unified School District	Cumberland County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$541.00	$47,625 (-) Land $8,750 Building $38,875
2023		$47,625 (-) Land $8,750 Building $38,875
2022	$541.00 (+8.42%)	$47,625 Land $8,750 Building $38,875	$190,500 (-) Land $35,000 Building $155,500
2021			$190,500 Land $35,000 Building $155,500
2018	$499.00

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 November 16, 2007 · 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	2 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	Moderate above 53% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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