381 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 381 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,214 sqft · built 2008
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Mar 2019)
Tax Bill	$508 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018035 05800`

Property Details

APN / Parcel Number

Primary APN	`018035 05800`
Alternative APN	`035 05800`

Interior

Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,214 sqft Living Area
1st Floor Area	864 sqft
Upper Floors Area	584 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	60,984 sqft (1.4 acres)
Terrain	Rolling
Porch	Open Porch
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	381 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 IV
Legal Block	24
Legal Lot Number	27
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3007
Census Tract	970302

Owner

381 E Cove Rd is owned by an individual who bought it in March 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	PO BOX 573, CROSSVILLE, TN 38557-0573
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
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHLAND FSLA
Mar 18, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on File
Deed Sale	Mar 18, 2019 · Amount on File
Prior Sale	Apr 5, 2012 · Amount on File
Deed Document Number	19003316
Deed Book / Page	1546 / 0057
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	381 E COVE RD, MONTEREY, TN 38574-7013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010225
Date	Aug 26, 2020
Book Page	1585/78
Instrument	20010225

Lender

Name	HIGHLAND FSLA
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 18, 2019
Property Address	381 E COVE RD, MONTEREY, TN 38574-7013
Document Number	0000003316
Book / Page	1546 / 0057
Map Reference	MB 8 PG 257
Instrument Date	Mar 15, 2019
Instrument	19003316
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	$617.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 573, CROSSVILLE, TN 38557-0573

Mortgage

Document Number	0000003317
Date	Mar 18, 2019
Instrument	19003317

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 381 E Cove Rd was $508.

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	$508.00	$44,750 Land $5,500 Building $39,250
2023		$44,750 (-) Land $5,500 Building $39,250
2022		$44,750 Land $5,500 Building $39,250	$179,000 (-) Land $22,000 Building $157,000
2021			$179,000 Land $22,000 Building $157,000
2018	$490.00

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 381 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 381 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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