300 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 300 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,758 sqft · built 2022
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$555,000 (Oct 2025)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018035 11600`

Property Details

APN / Parcel Number

Primary APN	`018035 11600`
Alternative APN	`035 11600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,758 sqft Living Area
Upper Floors Area	780 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,272 sqft (1.2 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	300 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMB COVE UNIT III
Legal Block	22
Legal Lot Number	2
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3013
Census Tract	970302

Owner

300 E Cove Rd is owned and occupied by an individual who bought it in October 2025.

Source: Cumberland County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	300 E COVE RD, MONTEREY, TN 38574-7003
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Aug 10, 2022	Warranty Deed, Transfer VOLUNTEER T&E SVCS LLC
Nov 15, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	Aug 10, 2022 · Amount on File
Deed Document Number	25041847
Deed Book / Page	1733 / 2758
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Oct 14, 2025
Property Address	300 E COVE RD, MONTEREY, TN 38574-7003
Document Number	0000041847
Book / Page	1733 / 2758
Map Reference	MB 8 PG 228,229&236
Instrument Date	Oct 13, 2025
Instrument	25041847
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,053.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 E COVE RD, MONTEREY, TN 38574-7003

Mortgage

Document Number	0000041848
Date	Oct 14, 2025
Instrument	25041848

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Aug 10, 2022
Property Address	300 E COVE RD, MONTEREY, TN 38574-7003
Document Number	0000012314
Book / Page	1652 / 998
Map Reference	MB 8 PG 228,229&236
Instrument Date	Aug 10, 2022
Instrument	22012314
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	VOLUNTEER T&E SVCS LLC

Transaction

Amount	Amount on Record
Tax	$1,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E COVE RD, MONTEREY, TN 38574-7007

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Nov 15, 2018
Property Address	300 E COVE RD, MONTEREY, TN 38574-7003
Document Number	0000013522
Book / Page	001538 / 001903
Instrument Date	Nov 6, 2018
Instrument	13522
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$7.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	E COVE RD MONTEREY TN 38574, MONTEREY, TN 38574

Tax Assessment & Valuation

The 2025 property tax bill for 300 E Cove Rd was $1,364.

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	$1,364.00	$120,200 (-) Land $6,250 Building $113,950
2024	$1,364.00	$120,200 (-) Land $6,250 Building $113,950
2023		$120,200 (+71.04%) Land $6,250 Building $113,950
2022		$70,275 Land $6,250 Building $64,025	$480,800 (+71.04%) Land $25,000 Building $455,800
2021			$281,100 Land $25,000 Building $256,100
2018	$98.00

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

FEMA maps place 300 E Cove Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 300 E Cove Rd is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 72% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTEREY WATER DEPT serves 4,880 people · EPA ID TN0000471
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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

May also be available: T-Mobile.

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