Montgomery County property record for 3850 Morgan Cir, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 3.25 ba · 2,995 sqft · built 2004 |
| Lot Size | 3.34 acres (145,490 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Aug 2023) |
| Tax Bill | $3,553 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage May 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 133 14.03 |
| Primary APN | 133 14.03 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,995 sqft Living Area |
| Gross Area | 4,817 sqft |
| 1st Floor Area | 3,842 sqft |
| Upper Floors Area | 1,693 sqft |
| Bonus Room | Bonus Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 145,490 sqft (3.34 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 2,130 sqft |
| Pool Area | 512 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 389 sqft |
| Deck Area | 180 sqft |
| Patio Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 3850 MORGAN CIR |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-4611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E-1 |
| Legal Description | SUBDIVISION: WARREN CHRIS PROP LOT: 2 QC IN V918-1880 & V926-2394 T-04 AC CORR FROM DESC OF LOT 1 IN V937-270 T-04 AC INC |
| Legal Subdivision | WARREN CHRIS PROP |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 101702 |
Source: Montgomery County records, as of May 5, 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 | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2025 | Warranty Deed, Transfer · Commercial Mortgage FIRST FEDERAL BANK |
| May 4, 2018 | Deed of Trust, Mortgage LEGENDS BANK |
| Jun 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LEGENDS BANK |
| Dec 22, 2020 | Warranty Deed, Transfer LEGENDS BK |
| Jul 14, 2020 | Warranty Deed, Construction Loan · Line of Credit LEGENDS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on Record |
| Deed Sale | Aug 14, 2023 · Amount on Record |
| Prior Sale | Feb 1, 2005 |
| Deed Document Number | 20231433373 |
| Deed Book / Page | 2318 / 800 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | May 27, 2025 |
| Property Address | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Document Number | 02440/4376 |
| Book / Page | 2440 / 4376 |
| Map Reference | MB O PG 101 |
| Instrument Date | May 22, 2025 |
| Instrument | 1501902 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Title Company | TENNESSEE TITLE SERVICES LLC, TENNESSEE TTL SVCS LLC CLARK |
| Amount | Amount Recorded |
|---|---|
| Tax | $314.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3378 HIGHWAY 48, CUNNINGHAM, TN 37052-5009 |
| Investor | Possibly a Property Investor |
| Document Number | 0001501903 |
|---|---|
| Date | May 27, 2025 |
| Instrument | 1501903 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 22, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001163298 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 1809/687 |
| Instrument | 1163298 |
| Name | LEGENDS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | Jun 1, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001260444 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 1979/1494 |
| Instrument | 1260444 |
| Name | LEGENDS BANK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Dec 22, 2020 |
| Property Address | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Document Number | 0001291944 |
| Book / Page | 002043 / 001069 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 1291944 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2021 |
| Title Company | TENNESSEE TITLE SERVICES LLC, TENNESSEE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $178.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3850 MORGAN CIR CUNNINGHAM TN 370524611, CUNNINGHAM, TN 37052-4611 |
| Investor | Possibly a Property Investor |
| Document Number | 1291945 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 002043/001071 |
| Instrument | 1291945 |
| Name | LEGENDS BK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jul 14, 2020 |
| Property Address | 3850 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Document Number | 0001264688 |
| Book / Page | 001988 / 000042 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 1264688 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 2, 2020 |
| Title Company | TENNESSEE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $178.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3850 MORGAN CIR CUNNINGHAM TN 370524611, CUNNINGHAM, TN 37052-4611 |
| Document Number | 1264692 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 001988/000060 |
| Instrument | 1264692 |
| Name | LEGENDS BK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,553.00 (+14.1%) | $169,200 (+0.73%) | $676,800 (+0.73%) Land $91,500 Building $585,300 |
| 2024 | $3,114.00 (+27.36%) | $167,975 (+105.41%) | $671,900 (+105.41%) Land $91,500 Building $580,400 |
| 2023 | $2,445.00 | $81,775 (-) | |
| 2022 | $2,445.00 | $81,775 | $327,100 Land $39,000 Building $288,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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