376 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 376 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 2007
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Apr 2017)
Tax Bill	$491 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-056.00`

Property Details

APN / Parcel Number

Primary APN	`035-056.00`
Alternative APNs	`0203503505600` `018035 05600`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	52,272 sqft (1.2 acres)
Terrain	Rolling
Porch	Open/Unfinished Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	376 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMB COVE IV PB 8 PG 257 BLK 24 LOT 25
Legal Subdivision	CUMB COVE IV
Legal Block	24
Legal Lot Number	25
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3008
Census Tract	970302

Owner

376 E Cove Rd is owned by an individual who bought it in April 2017.

Source: Cumberland County records, as of June 12, 2026

Owner of Record	Individual Name on File
Mailing Address	4000 W BROWN DEER RD, MILWAUKEE, WI 53209-1221
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
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage NP INC
Apr 28, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Prior Sale	Sep 7, 2012 · Amount on File
Deed Document Number	20174855
Deed Book / Page	1500 / 506
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	376 E COVE RD, MONTEREY, TN 38574-7006
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003792
Date	Mar 11, 2021
Book Page	1603/1920
Instrument	21003792

Lender

Name	NP INC
Type	Non-Lending Institution
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 28, 2017
Property Address	376 E COVE RD, MONTEREY, TN 38574-7006
Document Number	0000004855
Book / Page	1500 / 506
Instrument Date	Apr 27, 2017
Instrument	17004855
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18755 SW 78TH CT, CUTLER BAY, FL 33157-7404

Mortgage

Document Number	0000004856
Date	Apr 28, 2017
Book Page	1500/508
Instrument	17004856

Lender

Name	GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 376 E Cove Rd was $491.

Source: Cumberland County assessment roll, as of December 8, 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	$491.00	$43,250 Land $5,500 Building $37,750	$173,000 Land $22,000 Building $151,000
2023		$43,250 (-) Land $5,500 Building $37,750
2022		$43,250 Land $5,500 Building $37,750	$173,000 (-) Land $22,000 Building $151,000
2021			$173,000 Land $22,000 Building $151,000
2018	$465.00

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 376 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 376 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

Nearby Properties on E Cove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures