Putnam County property record for 402 E Speck Ave, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 672 sqft · built 1969 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $59,900 (Sep 2018) |
| Tax Bill | $533 (2022) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 071071C A 00504 |
| Primary APN | 071071C A 00504 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 128 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 402 E SPECK AVE |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 14, COUNTY AREA: R01 |
| Jurisdiction | PUTNAM TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 100 |
402 E Speck Ave is owned by two individuals who acquired it in November 2021.
Source: Putnam County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 334 CARRIAGE DR, CROSSVILLE, TN 38555-5866 |
| Owner Type | Individual |
| Vesting | Her Husband |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ONE BANK OF TENNESSEE |
| Mar 9, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ONE BANK OF TENNESSEE |
| Sep 14, 2018 | Warranty Deed, Transfer BANK OF PUTNAM CNTY |
| Oct 4, 2017 | Warranty Deed, Transfer · Line of Credit PUTNAM 1ST MERCANTILE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2018 · Amount on File |
| Deed Sale | Sep 14, 2018 · Amount on File |
| Prior Sale | Oct 4, 2017 · Amount on File |
| Deed Book / Page | 1079 / 797 |
| Last Transfer Date | Nov 19, 2021 |
| Transfer Doc | 0001385309 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM TN |
| Property Address | 402 E SPECK AVE, MONTEREY, TN 38574-1245 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0001358566 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 1358/566 |
| Instrument | 266162 |
| Name | ONE BANK OF TENNESSEE |
|---|---|
| Type | Bank |
| Address | COOKEVILLE, TN 38501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Mar 9, 2022 |
| Property Address | 402 E SPECK AVE, MONTEREY, TN 38574-1245 |
| Document Number | 0001385309 |
| Book / Page | 1385 / 309 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 270653 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 334 CARRIAGE DR, CROSSVILLE, TN 38555-5866 |
| Document Number | 0000266162 |
|---|---|
| Date | Mar 9, 2022 |
| Instrument | 266162 |
| Name | ONE BANK OF TENNESSEE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Sep 14, 2018 |
| Property Address | 402 E SPECK AVE, MONTEREY, TN 38574-1245 |
| Document Number | RB1079797 |
| Book / Page | 001079 / 000797 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 218078 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2018 |
| Title Company | POINTER TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $221.63 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 E SPECK AVE MONTEREY TN 385741245, MONTEREY, TN 38574-1245 |
| Document Number | RB10801 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 001080/000001 |
| Instrument | 218079 |
| Name | BANK OF PUTNAM CNTY |
|---|---|
| Type | Bank |
| Address | COOKEVILLE, TN 38501 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 13, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Oct 4, 2017 |
| Property Address | 402 E SPECK AVE, MONTEREY, TN 38574-1245 |
| Document Number | RB1019782 |
| Book / Page | 001019 / 000782 |
| Instrument Date | Oct 4, 2017 |
| Instrument | 206249 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.95 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 E SPECK AVE MONTEREY TN 385741245, MONTEREY, TN 38574-1245 |
| Document Number | RB1019783 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 001019/000783 |
| Instrument | 206250 |
| Name | PUTNAM 1ST MERCANTILE BK |
|---|---|
| Type | Bank |
| Address | COOKEVILLE, TN 38501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Putnam County assessment roll, as of January 26, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Putnam County |
| Municipality | Monterey Town |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,925 (-) Land $3,750 Building $10,175 | ||
| 2024 | $13,925 (-) Land $3,750 Building $10,175 | ||
| 2023 | $13,925 Land $3,750 Building $10,175 | ||
| 2022 | $533.00 | ||
| 2021 | $55,700 Land $15,000 Building $40,700 |
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.
FEMA maps place 402 E Speck Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 14, 2025
| 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.
Wildfire risk around 402 E Speck Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 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 Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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