308 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 308 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,236 sqft · built 2000
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Dec 2024)
Tax Bill	$496 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018035 11900`

Property Details

APN / Parcel Number

Primary APN	`018035 11900`
Alternative APN	`035 11900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	78,408 sqft (1.8 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	308 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	4
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3013
Census Tract	970302

Owner

308 E Cove Rd is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	308 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
Sep 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW ERA LENDING LLC
Apr 21, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2024 · Amount on File
Deed Sale	Dec 6, 2024 · Amount on File
Prior Sale	Apr 21, 2022
Deed Document Number	24028419
Deed Book / Page	1711 / 899
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	308 E COVE RD, MONTEREY, TN 38574-7003
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 E COVE RD, MONTEREY, TN 38574-7003

Mortgage

Document Number	0000040625
Date	Sep 19, 2025
Book Page	1732/314
Instrument	25040625

Lender

Name	NEW ERA LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77077

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 21, 2022
Property Address	308 E COVE RD, MONTEREY, TN 38574-7003
Document Number	0000005767
Book / Page	1642 / 834
Map Reference	MB 8 PG 228-237
Instrument Date	Jul 23, 2021
Instrument	22005767
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	NOT AVAILABLE, SPRUCE

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
Relationship	Joint Tenants with Right of Survivorship
Address	308 E COVE RD, MONTEREY, TN 38574-7003

Mortgage

Document Number	0000005768
Date	Apr 21, 2022
Instrument	22005768

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	172 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 308 E Cove Rd was $496.

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	$496.00	$43,725 Land $6,250 Building $37,475
2023		$43,725 (-) Land $6,250 Building $37,475
2022		$43,725 Land $6,250 Building $37,475	$174,900 (-) Land $25,000 Building $149,900
2021			$174,900 Land $25,000 Building $149,900
2018	$438.00

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 308 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 308 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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