3851 Springdale Rd, Cunningham, TN 37052 Property Records

Montgomery County property record for 3851 Springdale Rd, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	2.25 ba · 2,288 sqft · built 2001
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on File
Last Sale	$546,250 (May 2025)
Tax Bill	$2,474 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`132 2.02`

Property Details

APN / Parcel Number

Primary APN	`132 2.02`
Alternative APNs	`132 00202 000` `66881`

Interior

Full Baths	2.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,288 sqft Living Area
Gross Area	3,349 sqft
1st Floor Area	3,318 sqft
Basement Area	1,539 sqft
Finished Basement	1,539 sqft
Unfinished Basement	1,539 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	63,162 sqft (1.45 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,271 sqft
Driveway	Driveway
Driveway Area	1,080 sqft
Porch	Open Porch
Porch Area	271 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	3851 SPRINGDALE RD
City	CUNNINGHAM
State	TN
Zip	37052-4808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	SUBDIVISION: CHADWICK PROPERTY LOT: 1 PLAT BOOK: 14 PLAT PAGE: 89 P/U DRWY & SLAB T-05 ADD CHG T-11
Legal Subdivision	CHADWICK PROPERTY
Legal Lot Number	1
Jurisdiction	MONTGOMERY TN
Township / Civil Division	4
Census Block Group	2
Census Block	2000
Census Tract	101702

Owner

3851 Springdale Rd is owned and occupied by two individuals who bought it in May 2025.

Source: Montgomery County records, as of May 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3851 SPRINGDALE RD, CUNNINGHAM, TN 37052-4808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 13, 2025	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Sep 6, 2023	Warranty Deed, Transfer · VA Mortgage LENDING HAND MORTGAGE LLC
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2025 · Amount on File
Deed Sale	May 13, 2025 · Amount on File
Prior Sale	Sep 6, 2023 · Amount on File
Deed Document Number	20251500137
Deed Book / Page	2438 / 4603
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0001080084
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	May 13, 2025
Property Address	3851 SPRINGDALE RD, CUNNINGHAM, TN 37052-4808
Document Number	02438/4603
Book / Page	2438 / 4603
Map Reference	MB 14 PG 89 PL 89
Instrument Date	May 5, 2025
Instrument	1500137
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	TENNESSEE NATIONS TITLE AGENCY, TENNESSEE NATL TTL AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,021.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 SPRINGDALE LN, CUNNINGHAM, TN 37052-4808

Mortgage

Document Number	0001500138
Date	May 13, 2025
Instrument	1500138

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Sep 6, 2023
Property Address	3851 SPRINGDALE RD, CUNNINGHAM, TN 37052-4808
Document Number	002323/569
Book / Page	2323 / 569
Map Reference	MB 14 PG 89 PL 89
Instrument Date	Aug 30, 2023
Instrument	1435952
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,868.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 SPRINGDALE LN, CUNNINGHAM, TN 37052-4808

Mortgage

Document Number	0001435953
Date	Sep 6, 2023
Instrument	1435953

Lender

Name	LENDING HAND MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	May 25, 2021
Property Address	3851 SPRINGDALE RD, CUNNINGHAM, TN 37052-4808
Document Number	02095/2358
Book / Page	2095 / 2358
Map Reference	MB 14 PG 89 PL 89
Instrument Date	May 19, 2021
Instrument	1318003
Transaction Type	Transfer
Record Updated	May 5, 2026
Title Company	FREEDOM TITLE SERVICES, FREEDOM TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,465.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 SPRINGDALE LN, CUNNINGHAM, TN 37052-4808
Investor	Possibly a Property Investor

Mortgage

Document Number	0001318004
Date	May 25, 2021
Instrument	1318004

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3851 Springdale Rd was $2,474.

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,474.00	$117,825 (-)	$471,300 (-) Land $75,000 Building $396,300
2024	$2,474.00 (+22.41%)	$117,825 (+74.3%)	$471,300 Land $75,000 Building $396,300
2023	$2,021.00	$67,600 (-)
2022	$2,021.00	$67,600	$270,400 Land $35,900 Building $234,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3851 Springdale Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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	3 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 3851 Springdale Rd is low, with a 0.03% annual chance of wildfire.

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	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumberland Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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