316 E Speck Ave, Monterey, TN 38574 Property Records

Putnam County property record for 316 E Speck Ave, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,110 sqft · built 1944
Lot Size	0.378 acres (16,500 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Aug 2023)
Tax Bill	$821 (2022)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071048N E 00700`

Property Details

APN / Parcel Number

Primary APN	`071048N E 00700`
Alternative APN	`048N E 00700`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1989
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,500 sqft (0.378 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Terrain	Rolling
Porch	Slab
Porch Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	316 E SPECK AVE
City	MONTEREY
State	TN
Zip	38574-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14 P/O LOTS 2 AND 3, COUNTY AREA: R01
Legal Subdivision	LEO RASSIEUR ADD
Legal Block	4
Legal Lot Number	2
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	2
Census Block	2059
Census Tract	100

Owner

316 E Speck Ave is owned by an individual who bought it in August 2023.

Source: Putnam County records, as of March 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1660 BUNKER HILL RD, COOKEVILLE, TN 38506-5503
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
Aug 25, 2023	Warranty Deed, Transfer · Commercial Mortgage ONE BANK OF TENNESSEE
May 17, 2023	Warranty Deed, Transfer · Commercial Mortgage ONE BANK OF TENNESSEE
Mar 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	May 17, 2023 · Amount on File
Deed Document Number	2023290015
Deed Book / Page	1496 / 347
Prior Transfer Date	Jun 13, 2020
Prior Transfer Doc	0000128317
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Aug 25, 2023
Property Address	316 E SPECK AVE, MONTEREY, TN 38574-1243
Document Number	0001496347
Book / Page	1496 / 347
Instrument Date	Aug 25, 2023
Instrument	290015
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	POINTER TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E SPECK AVE, MONTEREY, TN 38574-1243

Mortgage

Document Number	0000290016
Date	Aug 25, 2023
Instrument	290016

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	May 17, 2023
Property Address	316 E SPECK AVE, MONTEREY, TN 38574-1243
Document Number	0001477254
Book / Page	1477 / 254
Instrument Date	May 14, 2023
Instrument	286753
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	POINTER TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E SPECK AVE, MONTEREY, TN 38574-1243

Mortgage

Document Number	0000286754
Date	May 17, 2023
Instrument	286754

Lender

Name	ONE BANK OF TENNESSEE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM TN
Recording Date	Mar 8, 2021
Property Address	316 E SPECK AVE, MONTEREY, TN 38574-1243
Document Number	128317
Book / Page	1283 / 17
Instrument Date	Jun 13, 2020
Instrument	253588
Transaction Type	Transfer
Record Updated	Jul 27, 2021

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	1835 STAMPS SHADY GROVE RD, MONTEREY, TN 38574-3004

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Municipality	Monterey Town
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$21,425 Land $3,125 Building $18,300
2023		$21,425 (-) Land $3,125 Building $18,300
2022	$821.00	$21,425 Land $3,125 Building $18,300	$85,700 (-) Land $12,500 Building $73,200
2021			$85,700 Land $12,500 Building $73,200

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 316 E Speck Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

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

Wildfire risk around 316 E Speck Ave is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.07% 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	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 119 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 Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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