339 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 339 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,972 sqft · built 1989
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$269,900 (Dec 2022)
Tax Bill	$602 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018035 19500`

Property Details

APN / Parcel Number

Primary APN	`018035 19500`
Alternative APN	`035 19500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,972 sqft Living Area
1st Floor Area	1,360 sqft
Upper Floors Area	1,020 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	340 sqft
Patio Area	340 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	339 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMB COVE III
Legal Block	20
Legal Lot Number	51
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3015
Census Tract	970302

Owner

339 E Cove Rd is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	339 E COVE RD, MONTEREY, TN 38574-7010
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
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jul 2, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Jul 2, 2020 · Amount on File
Deed Document Number	22018871
Deed Book / Page	1662 / 107
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Dec 20, 2022
Property Address	339 E COVE RD, MONTEREY, TN 38574-7010
Document Number	0000018871
Book / Page	1662 / 107
Map Reference	MB 8 PG 228-237
Instrument Date	Dec 19, 2022
Instrument	22018871
Transaction Type	Transfer
Record Updated	Feb 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$998.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 E COVE RD, MONTEREY, TN 38574-7010

Mortgage

Document Number	0000018872
Date	Dec 20, 2022
Instrument	22018872

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Jul 2, 2020
Property Address	339 E COVE RD, MONTEREY, TN 38574-7010
Document Number	0000007480
Book / Page	001580 / 000992
Instrument Date	Jun 25, 2020
Instrument	7480
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	SIGNATURE TITLE, SIGNATURE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 E COVE RD MONTEREY TN 385747010, MONTEREY, TN 38574-7010

Mortgage

Document Number	7481
Date	Jul 2, 2020
Book Page	001580/000996
Instrument	7481

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 339 E Cove Rd was $602.

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	$602.00	$53,000 Land $6,875 Building $46,125
2023		$53,000 (-) Land $6,875 Building $46,125
2022		$53,000 Land $6,875 Building $46,125	$212,000 (-) Land $27,500 Building $184,500
2021			$212,000 Land $27,500 Building $184,500
2018	$484.00

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 339 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 339 E Cove Rd is moderate, ranking above 52% 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 52% of the US · above 70% 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 22 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

Cell Coverage

5G and 4G LTE (outdoors only)

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