Montgomery County property record for 3448 Hwy 48, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,989 sqft · built 2015 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $431,000 (May 2025) |
| Tax Bill | $2,090 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 123 7.03 |
| Primary APN | 123 7.03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,989 sqft Living Area |
| Gross Area | 3,066 sqft |
| 1st Floor Area | 1,403 sqft |
| Basement Area | 586 sqft |
| Finished Basement | 586 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,776 sqft (1.51 acres) |
| Driveway | Driveway |
| Driveway Area | 2,604 sqft |
| Porch | Porch |
| Porch Area | 260 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3448 HIGHWAY 48 |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-5011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | SUBDIVISION: YARBROUGH ESTATES LOT: 1 PLAT BOOK: G PLAT PAGE: 112 PCL SPLIT OFF 123-7 IN PLAT G-112 T-14 |
| Legal Subdivision | YARBROUGH ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 101702 |
3448 Hwy 48 is owned and occupied by two individuals who bought it in May 2025.
Source: Montgomery County records, as of May 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3448 HIGHWAY 48, CUNNINGHAM, TN 37052-5011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK |
| Mar 23, 2018 | Quit Claim Deed, Transfer · VA Mortgage PACIFIC HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2025 · Amount on File |
| Deed Sale | May 2, 2025 · Amount on File |
| Prior Sale | Jun 30, 2021 · Amount on File |
| Deed Document Number | 20251498939 |
| Deed Book / Page | 2437 / 2794 |
| Prior Transfer Date | Jun 28, 2021 |
| Prior Transfer Doc | 02108/2535 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jun 30, 2021 |
| Property Address | 3448 HIGHWAY 48, CUNNINGHAM, TN 37052-5011 |
| Document Number | 02108/2535 |
| Book / Page | 2108 / 2535 |
| Map Reference | MB G PG 112 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 1324371 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2022 |
| Title Company | MIDTOWN TITLE/MURFREESBORO, MIDTOWN TTL OF MURFREESBORO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,209.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3448 HIGHWAY 48, CUNNINGHAM, TN 37052-5011 |
| Document Number | 0001324372 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 1324372 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Mar 23, 2018 |
| Property Address | 3448 HIGHWAY 48, CUNNINGHAM, TN 37052-5011 |
| Document Number | 0001158101 |
| Book / Page | 001800 / 001836 |
| Instrument Date | Mar 10, 2018 |
| Instrument | 1158101 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 3448 HIGHWAY 48 CUNNINGHAM TN 370525011, CUNNINGHAM, TN 37052-5011 |
| Document Number | 1158102 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 001800/001840 |
| Instrument | 1158102 |
| Name | PACIFIC HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVINE, CA 92612 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2048 |
The 2025 property tax bill for 3448 Hwy 48 was $2,090.
Source: Montgomery County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,090.00 | $99,325 (-0.2%) | $397,300 (-0.2%) Land $74,900 Building $322,400 |
| 2024 | $2,090.00 (+23.23%) | $99,525 (+75.45%) | $398,100 Land $74,900 Building $323,200 |
| 2023 | $1,696.00 | $56,725 (-) | |
| 2022 | $1,696.00 | $56,725 | $226,900 Land $30,000 Building $196,900 |
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.
FEMA maps place 3448 Hwy 48 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021
| 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 risk around 3448 Hwy 48 is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CUNNINGHAM UTILITY DISTRICT serves 16,068 people · EPA ID TN0000167 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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