2451 Clifftops Ave, Monteagle, TN 37356 Property Records

Marion County property record for 2451 Clifftops Ave, Monteagle, TN 37356

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,994 sqft · built 2025
Lot Size	5.25 acres (228,690 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Mar 2022)
Tax Bill	$1,275 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`043-061.00`

Property Details

APN / Parcel Number

Primary APN	`043-061.00`
Alternative APNs	`0504304306100` `058043 06100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,994 sqft Living Area
1st Floor Area	797 sqft
Basement Area	797 sqft
Finished Basement	797 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	228,690 sqft (5.25 acres)
Porch	Finished/Open Porch
Deck Area	430 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	2451 CLIFFTOPS AVE
City	MONTEAGLE
State	TN
Zip	37356-2089
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLIFFTOPS RESORT PB 4 PG 86 LOT 111 HOUSE PRORATED MAY 15TH FOR 2025
Legal Subdivision	CLIFFTOPS RESORT
Legal Lot Number	111
Jurisdiction	MARION TN
Township / Civil Division	2
Census Block Group	1
Census Block	1089
Census Tract	50302

Owner

Source: Marion County records, as of June 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	447 LIBERTY CHAPEL RD, MOUNT JULIET, TN 37122-6700
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Commercial Mortgage ONE BANK OF TENNESSEE
Feb 5, 2024	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS TRI-COUNTY BANK
Mar 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS TRI-COUNTY BANK
Jun 24, 2021	Warranty Deed, Transfer
May 7, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	20226248
Deed Book / Page	558 / 1074
Prior Transfer Date	Feb 18, 2021
Prior Transfer Doc	0005421276
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION TN
Property Address	2451 CLIFFTOPS AVE, MONTEAGLE, TN 37356-2089
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621741
Date	Mar 20, 2026
Book Page	621/741
Instrument	26006639

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank
Address	140 S JEFFERSON AVE, COOKEVILLE, TN 38501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION TN
Property Address	2451 CLIFFTOPS AVE, MONTEAGLE, TN 37356-2089
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 LIBERTY CHAPEL RD, MT JULIET, TN 37122-6700

Mortgage

Document Number	0000587366
Date	Feb 5, 2024
Book Page	587/366
Instrument	24016684

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	MONTEAGLE, TN 37356

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 26, 2025

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION TN
Recording Date	Mar 15, 2022
Property Address	2451 CLIFFTOPS AVE, MONTEAGLE, TN 37356-2089
Document Number	0005581074
Book / Page	558 / 1074
Map Reference	MB 4 PG 86
Instrument Date	Mar 11, 2022
Instrument	22006248
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	1810 TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 LIBERTY CHAPEL RD, MT JULIET, TN 37122-6700

Mortgage

Document Number	0022006249
Date	Mar 15, 2022
Instrument	22006249

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2037

Interest

Rate Type	Adjustable Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION TN
Recording Date	Jun 24, 2021
Property Address	2451 CLIFFTOPS AVE, MONTEAGLE, TN 37356-2089
Document Number	0000054532
Book / Page	545 / 32
Map Reference	MB 4 PG 86
Instrument Date	Feb 18, 2021
Instrument	21003324
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$144.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 CLIFFTOPS AVE, MONTEAGLE, TN 37356
Investor	Possibly a Property Investor

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION TN
Recording Date	May 7, 2021
Property Address	2451 CLIFFTOPS AVE, MONTEAGLE, TN 37356-2089
Document Number	0005421276
Book / Page	542 / 1276
Map Reference	MB 4 PG 86
Instrument Date	Feb 18, 2021
Instrument	21002424
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	4912 INDIAN DRAFT RD, COVINGTON, VA 24426-5611

Tax Assessment & Valuation

Source: Marion County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,275.00 (+202.85%)	$72,425 (+203.03%) Land $23,900 Building $48,525	$289,700 (-) Land $95,600 Building $194,100
2024	$421.00
2023		$23,900 Land $23,900
2022	$421.00
2021			$289,700 Land $95,600 Building $194,100

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 27, 2025 · 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	5 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 59% of the US · above 80% of Tennessee
Wildfire Likelihood	0.2% 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	MONTEAGLE PUBLIC UTILITY BOARD serves 4,179 people · EPA ID TN0000470
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

May also be available: SVEConnect.

Cell Coverage

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

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