40 Point Pl, Monterey, TN 38574 Property Records

Cumberland County property record for 40 Point Pl, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 2023
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Nov 2021)
Tax Bill	$897 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`024-027.00`

Property Details

APN / Parcel Number

Primary APN	`024-027.00`
Alternative APNs	`0202402402700` `018024 02700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,754 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	668 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Open Porch
Deck Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 POINT PL
City	MONTEREY
State	TN
Zip	38574-7034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMB COVE IV PB 8 PG 257 BLK 29 LOT 37
Legal Subdivision	CUMB COVE IV
Legal Block	29
Legal Lot Number	37
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3004
Census Tract	970302

Owner

40 Point Pl is owned and occupied by two individuals who acquired it in January 2025.

Source: Cumberland County records, as of February 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 POINT PL, MONTEREY, TN 38574-7034
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
Oct 7, 2022	Deed of Trust, Mortgage · Construction Mortgage FARM CREDIT MID AMERICA FLCA
Nov 8, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Apr 11, 2006 · Amount on File
Deed Document Number	202116657
Deed Book / Page	1627 / 1973
Last Transfer Date	Jan 15, 2025
Transfer Doc	0000029806
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	40 POINT PL, MONTEREY, TN 38574-7034
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9033 MARQUETTE ST, SAINT JOHN, IN 46373-9069

Mortgage

Document Number	0000015720
Date	Oct 7, 2022
Book Page	1657/550
Instrument	22015720

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40299

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Nov 8, 2021
Property Address	40 POINT PL, MONTEREY, TN 38574-7034
Document Number	0000016657
Book / Page	1627 / 1973
Map Reference	MB 8 PG 257-265
Instrument Date	Nov 5, 2021
Instrument	21016657
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Amount	Amount on Record
Tax	$74.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9033 MARAUETTE STREET, SAINT JOHN, IN 46373-9069

Tax Assessment & Valuation

The 2025 property tax bill for 40 Point Pl was $897.

Source: Cumberland County assessment roll, as of December 8, 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	$897.00	$79,025 Land $7,500 Building $71,525	$316,100 Land $30,000 Building $286,100
2024	$897.00
2023		$79,025 (+953.67%) Land $7,500 Building $71,525
2022		$7,500 Land $7,500	$316,100 (+953.67%) Land $30,000 Building $286,100
2021			$30,000 Land $30,000
2018	$117.00

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 40 Point Pl 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 40 Point Pl is moderate, ranking above 50% 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 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 21 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Point Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures