314 Central Ave, Monteagle, TN 37356 Property Records

Grundy County property record for 314 Central Ave, Monteagle, TN 37356

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,448 sqft · built 1976
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Sep 2019)
Tax Bill	$897 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`031107C C 00600`

Property Details

APN / Parcel Number

Primary APN	`031107C C 00600`
Alternative APN	`107C C 00600`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,448 sqft Living Area
1st Floor Area	1,656 sqft
Upper Floors Area	792 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,000 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
Porch	Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	314 CENTRAL AVE
City	MONTEAGLE
State	TN
Zip	37356-3069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M01
Jurisdiction	GRUNDY TN
Township / Civil Division	3
Census Block Group	2
Census Block	2066
Census Tract	955100

Owner

Source: Grundy 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	2 Individual Names on Record
Mailing Address	314 CENTRAL AVE, MONTEAGLE, TN 37356-3069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Feb 1, 2018	Loan Modification, Mortgage CITIZENS TRI-CNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Prior Sale	Jul 17, 2007 · Amount on Record
Deed Document Number	94568
Deed Book / Page	1108 / 91
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY TN
Recording Date	Sep 12, 2019
Property Address	314 CENTRAL AVE, MONTEAGLE, TN 37356-3069
Document Number	0000094568
Book / Page	001108 / 000091
Instrument Date	Sep 6, 2019
Instrument	94568
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	RUDY TITLE AND ESCROW, RUDY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$518.00
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	314 CENTRAL AVE MONTEAGLE TN 373563069, MONTEAGLE, TN 37356-3069

Mortgage

Document Number	94569
Date	Sep 12, 2019
Book Page	001108/000093
Instrument	94569

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GRUNDY TN
Property Address	314 CENTRAL AVE, MONTEAGLE, TN 37356-3069
Document Number	0000090404
Book / Page	001091 / 000230
Instrument Date	Feb 1, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 723 MONTEAGLE TN 373560723, MONTEAGLE, TN 37356-0723

Mortgage

Document Number	0000090404
Date	Feb 7, 2018
Book Page	001091/000230
Instrument	90404

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	MONTEAGLE, TN 37356

Agreement

Term	60 Months
Due	Feb 6, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Grundy County
Municipality	Monteagle Town
Unified School District	Grundy County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$897.00	$62,875 (-) Land $6,050 Building $56,825
2024	$897.00	$62,875 (-) Land $6,050 Building $56,825
2023	$897.00 (+9.52%)	$62,875 (+69.82%) Land $6,050 Building $56,825
2022	$819.00	$37,025 Land $3,950 Building $33,075	$148,100 (-41.11%) Land $15,800 Building $132,300
2020			$251,500 Land $24,200 Building $227,300

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 September 25, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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