Montgomery County property record for 3501 Hwy 48, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 2,224 sqft · built 1900 |
| Lot Size | 6.19 acres (269,636 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Jan 2026) |
| Tax Bill | $2,566 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jul 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 123 81.04 17123 |
| Primary APN | 123 81.04 17123 |
|---|---|
| Alternative APN |
|
| Building Area | 2,224 sqft Living Area |
|---|---|
| 1st Floor Area | 2,224 sqft |
| Flooring | Wood |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 269,636 sqft (6.19 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|
| Street Address | 3501 HIGHWAY 48 |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-5014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 101702 |
3501 Hwy 48 is owned and occupied by two individuals who bought it in January 2026.
Source: Montgomery County records, as of May 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 21, 2026 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN MORTGAGE |
| Jul 22, 2022 | Intrafamily Transfer, Transfer |
| May 13, 2022 | Quit Claim Deed, Transfer · Construction Mortgage LEGENDS BANK |
| Mar 31, 2022 | Deed, Transfer |
| Mar 25, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage FARM CREDIT MID AMERICA FLCA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on File |
| Deed Sale | Jan 21, 2026 · Amount on File |
| Deed Document Number | 20261530000 |
| Deed Book / Page | 2474 / 151 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jan 21, 2026 |
| Property Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 002474/151 |
| Book / Page | 2474 / 151 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 1530000 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | FREEDOM TITLE SERVICES, FREEDOM TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 0001530001 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 1530001 |
| Name | GERSHMAN MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jul 22, 2022 |
| Property Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 02238/1934 |
| Book / Page | 2238 / 1934 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 1390228 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 304 SPRINGSIDE CT, CLARKSVILLE, TN 37043-7831 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | May 13, 2022 |
| Property Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 002217/912 |
| Book / Page | 2217 / 912 |
| Map Reference | MB M PG 51 |
| Instrument Date | May 10, 2022 |
| Instrument | 1378765 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Title Company | FREEDOM TITLE SERVICES, FREEDOM TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 WHEELER RD, CLARKSVILLE, TN 37040-6904 |
| Investor | Possibly a Property Investor |
| Document Number | 0001378766 |
|---|---|
| Date | May 13, 2022 |
| Instrument | 1378766 |
| Name | LEGENDS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Mar 31, 2022 |
| Property Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 002203/112 |
| Book / Page | 2203 / 112 |
| Map Reference | MB M PG 51 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 1371452 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $290.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 227 HONEY TRL, CHAPMANSBORO, TN 37035-2000 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Mar 25, 2022 |
| Property Address | 3501 HIGHWAY 48, CUNNINGHAM, TN 37052-5014 |
| Document Number | 002201/611 |
| Book / Page | 2201 / 611 |
| Map Reference | MB M PG 51 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 1370502 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.13 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1834 MADISON ST APT H63, H63, CLARKSVILLE, TN 37043-2946 |
| Document Number | 0001370503 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 1370503 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 3501 Hwy 48 was $2,566, up 2.7% from the year before.
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 | $2,566.00 (+2.68%) | $83,600 (-) | $334,400 (-) Land $117,100 Building $217,300 |
| 2024 | $2,499.00 | $83,600 | $334,400 Land $117,100 Building $217,300 |
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.
FEMA maps place 3501 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 3501 Hwy 48 is low, with a 0.02% 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 | 0.02% 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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