Montgomery County property record for 3860 Morgan Cir, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,671 sqft · built 2001 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,900 (Sep 2019) |
| Tax Bill | $1,857 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 133 14.02 |
| Primary APN | 133 14.02 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,671 sqft Living Area |
| Gross Area | 3,342 sqft |
| 1st Floor Area | 1,671 sqft |
| Basement Area | 1,641 sqft |
| Unfinished Basement | 1,641 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 49,223 sqft (1.13 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 3860 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: 1 PLATBOOK E PAGE 622 CHNG SHP, C&M, & P&D PER REVIEW T-04 AC CORR IN V937-270 T-04 |
| Legal Subdivision | WARREN CHRIS PROP |
| Legal Lot Number | 1 |
| 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 | 3860 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU |
| Jan 25, 2017 | Warranty Deed, Transfer HERITAGE BANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on Record |
| Deed Sale | Sep 4, 2019 · Amount on Record |
| Prior Sale | Jan 25, 2017 · Amount on Record |
| Deed Document Number | 20191222229 |
| Deed Book / Page | 1907 / 1793 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 3860 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2086/2538 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 2086/2538 |
| Instrument | 1313353 |
| Name | ALTRA FCU |
|---|---|
| Type | Credit Union |
| Address | ONALASKA, WI 54650 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Jan 25, 2017 |
| Property Address | 3860 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Document Number | 1721/2110 |
| Book / Page | 1721 / 2110 |
| Instrument Date | Jan 24, 2017 |
| Instrument | 1109803 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3860 MORGAN CIR, CUNNINGHAM, TN 37052-4611 |
| Document Number | 0001109804 |
|---|---|
| Date | Jan 25, 2017 |
| Book Page | 1721/2112 |
| Instrument | 1109804 |
| Name | HERITAGE BANK USA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Feb 1, 2027 |
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 | $1,857.00 | $88,425 (-) | $353,700 (-) Land $64,000 Building $289,700 |
| 2024 | $1,857.00 (+20.82%) | $88,425 (+72.03%) | $353,700 (+72.03%) Land $64,000 Building $289,700 |
| 2023 | $1,537.00 | $51,400 (-) | |
| 2022 | $1,537.00 | $51,400 | $205,600 Land $31,100 Building $174,500 |
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.
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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