Sumner County property record for 355 Ben Albert Rd, Cottontown, TN 37048
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,328 sqft · built 1990 |
| Lot Size | 1.29 acres (56,192 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $126,000 (Apr 2009) |
| Tax Bill | $1,053 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083096 08102 |
| Primary APN | 083096 08102 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,328 sqft Living Area |
| Gross Area | 1,738 sqft |
| 1st Floor Area | 795 sqft |
| Upper Floors Area | 375 sqft |
| Basement Area | 795 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 56,192 sqft (1.29 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 350 sqft |
| Driveway | Driveway |
| Driveway Area | 1,500 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 355 BEN ALBERT RD |
|---|---|
| City | COTTONTOWN |
| State | TN |
| Zip | 37048-5174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | PLAT: 13 PAGE: 24 BLOCK: LOT: 3 SUBD: YOUNG ESTATES |
| Legal Subdivision | YOUNG ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20406 |
Source: Sumner County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Sep 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Jan 13, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2009 · Amount on Record |
| Deed Sale | Apr 2, 2009 · Amount on Record |
| Prior Sale | Jan 2, 2009 · Amount on Record |
| Deed Document Number | 2009912394 |
| Deed Book / Page | 3101 / 501 |
| Prior Transfer Date | Jul 2, 2003 |
| Prior Transfer Doc | 0000671447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Document Number | 0067210319 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 6721/319 |
| Instrument | 1532723 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0060440529 |
|---|---|
| Date | Sep 30, 2022 |
| Book Page | 6044/529 |
| Instrument | 1431478 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 355 BEN ALBERT RD, COTTONTOWN, TN 37048-5174 |
| Document Number | 0058380632 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 5838/632 |
| Instrument | 1399438 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 17, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Sumner County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,053.00 (-2.77%) | $74,100 (+54.13%) Land $22,925 Building $51,175 | |
| 2024 | $296,400 (+54.13%) Land $91,700 Building $204,700 | ||
| 2023 | $1,083.00 (-0.37%) | $48,075 (-) Land $22,700 Building $25,375 | |
| 2022 | $1,087.00 | $48,075 Land $22,700 Building $25,375 | |
| 2021 | $192,300 Land $90,800 Building $101,500 |
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.
Source: FEMA National Flood Hazard Layer, effective July 12, 2024 · 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 | 7 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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.
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 | 0.01% 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 | WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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