375 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 375 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,590 sqft · built 2019
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Jul 2019)
Tax Bill	$757 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`018035 15800`

Property Details

APN / Parcel Number

Primary APN	`018035 15800`
Alternative APN	`035 15800`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,590 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	56,628 sqft (1.3 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	590 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	375 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMB COVE UNIT III
Legal Block	19
Legal Lot Number	18
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3012
Census Tract	970302

Owner

375 E Cove Rd is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	375 E COVE RD, MONTEREY, TN 38574-7013
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
Jul 19, 2019	Warranty Deed, Transfer · Commercial Mortgage BANK OF PUTNAM COUNTY
Dec 1, 2017	Warranty Deed, Transfer PARAMOUNT TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Jul 11, 2011
Deed Document Number	19008470
Deed Book / Page	1554 / 0383
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Jul 19, 2019
Property Address	375 E COVE RD, MONTEREY, TN 38574-7013
Document Number	0000008470
Book / Page	1554 / 0383
Map Reference	MB 8 PG 228-237
Instrument Date	Jul 15, 2019
Instrument	19008470
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	POINTER TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 E COVE RD, MONTEREY, TN 38574-7013

Mortgage

Document Number	0000008471
Date	Jul 19, 2019
Instrument	19008471

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Dec 1, 2017
Property Address	375 E COVE RD, MONTEREY, TN 38574-7013
Document Number	0000014238
Book / Page	001515 / 000901
Instrument Date	Nov 30, 2017
Instrument	14238
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	PARAMOUNT TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$31.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 HIGH PL MONTEREY TN 385747138, MONTEREY, TN 38574-7138

Tax Assessment & Valuation

The 2025 property tax bill for 375 E Cove Rd was $757.

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	$757.00	$66,700 Land $6,250 Building $60,450
2023		$66,700 (-) Land $6,250 Building $60,450
2022		$66,700 Land $6,250 Building $60,450	$266,800 (-) Land $25,000 Building $241,800
2021			$266,800 Land $25,000 Building $241,800
2018	$98.00

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 375 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 375 E Cove Rd is moderate, ranking above 53% 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 53% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% 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 19 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 (outdoors only) and 4G LTE

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