Sumner County property record for 291 Ben Albert Rd, Cottontown, TN 37048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,650 sqft · built 2018 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2018) |
| Tax Bill | $2,465 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 083096 08001 |
| Primary APN | 083096 08001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| Basement Area | 1,506 sqft |
| Finished Basement | 864 sqft |
| Unfinished Basement | 642 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 218,236 sqft (5.01 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Driveway | Driveway |
| Driveway Area | 4,744 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 291 BEN ALBERT RD |
|---|---|
| City | COTTONTOWN |
| State | TN |
| Zip | 37048-5173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP REF:096 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20406 |
Source: Sumner County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 291 BEN ALBERT RD, COTTONTOWN, TN 37048-5173 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY MTG ADVISORS |
| Jul 12, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI PROSPERITY MTG ADVISORS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Oct 24, 2017 |
| Deed Document Number | 1238386 |
| Deed Book / Page | 4775 / 726 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 291 BEN ALBERT RD, COTTONTOWN, TN 37048-5173 |
| Document Number | 0051260101 |
| Instrument Date | Jan 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 291 BEN ALBERT RD COTTONTOWN TN 370485173, COTTONTOWN, TN 37048-5173 |
| Document Number | 0051260101 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 005126/000101 |
| Instrument | 1297732 |
| Name | PROSPERITY MTG ADVISORS |
|---|---|
| Address | NEW ORLEANS, LA 70113 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 20, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Jul 12, 2018 |
| Property Address | 291 BEN ALBERT RD, COTTONTOWN, TN 37048-5173 |
| Document Number | 0047750726 |
| Book / Page | 004775 / 000726 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 1238386 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | TENNESSEE TITLE SERVICES LLC, TENNESSEE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 291 BEN ALBERT RD COTTONTOWN TN 370485173, COTTONTOWN, TN 37048-5173 |
| Document Number | 47750729 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 004775/000729 |
| Instrument | 1238387 |
| Name | PROSPERITY MTG ADVISORS |
|---|---|
| Address | NEW ORLEANS, LA 70163 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 11, 2033 |
Source: Sumner County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,465.00 (+3.44%) | $173,450 (+63.94%) Land $55,050 Building $118,400 | |
| 2024 | $693,800 (+63.94%) Land $220,200 Building $473,600 | ||
| 2023 | $2,383.00 (-0.42%) | $105,800 (-) Land $31,275 Building $74,525 | |
| 2022 | $2,393.00 | $105,800 Land $31,275 Building $74,525 | |
| 2021 | $423,200 Land $125,100 Building $298,100 |
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.
Source: FEMA National Flood Hazard Layer, effective July 12, 2024 · 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 | 7 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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: 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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