Montgomery County property record for 3988 Morgan Cir, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,526 sqft · built 1977 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,376 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 133 24.01 |
| Primary APN | 133 24.01 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,526 sqft Living Area |
| Gross Area | 3,158 sqft |
| 1st Floor Area | 1,526 sqft |
| Basement Area | 1,526 sqft |
| Unfinished Basement | 1,526 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,204 sqft (0.9 acres) |
| Lot Dimensions | 120 ft deep x 115 ft wide |
| Terrain | High |
| Porch | Open Porch |
| Porch Area | 106 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 3988 MORGAN CIR |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-4613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 17-17-4.14 CORR AC T-11 |
| 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 | 3988 MORGAN CIR, CUNNINGHAM, TN 37052-4613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 3988 MORGAN CIR, CUNNINGHAM, TN 37052-4613 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 3988 MORGAN CIR, CUNNINGHAM, TN 37052-4613 |
| Document Number | 002252/186 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 2252/186 |
| Instrument | 1397629 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 3988 MORGAN CIR, CUNNINGHAM, TN 37052-4613 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001142734 |
|---|---|
| Date | Nov 6, 2017 |
| Book Page | 1775/1671 |
| Instrument | 1142734 |
| Name | CUMBERLAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 1, 2022 |
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 | $1,376.00 | $65,525 (-) | $262,100 (-) Land $58,800 Building $203,300 |
| 2024 | $1,376.00 (+19.34%) | $65,525 (+69.86%) | $262,100 (+69.86%) Land $58,800 Building $203,300 |
| 2023 | $1,153.00 | $38,575 (-) | |
| 2022 | $1,153.00 | $38,575 | $154,300 Land $30,300 Building $124,000 |
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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