405 Cunningham Ln, Clarksville, TN 37042 Property Records

Montgomery County property record for 405 Cunningham Ln, Clarksville, TN 37042

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,469 sqft · built 1971
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Tax Bill	$1,746 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`43H A 29.00`

Property Details

APN / Parcel Number

Primary APN	`43H A 29.00`
Alternative APNs	`043H A 02900 000` `27308`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,469 sqft Living Area
Gross Area	3,386 sqft
1st Floor Area	975 sqft
Basement Area	988 sqft
Finished Basement	494 sqft
Unfinished Basement	494 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	468 sqft
Carport	Carport
Carport Area	468 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Slab
Porch Area	288 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 CUNNINGHAM LN
City	CLARKSVILLE
State	TN
Zip	37042-5318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SUBDIVISION: BELLE FOREST BLOCK: 1 LOT: 28 C161-A-3 C161-A-3 P/UP PKG UNIT T-94 ;P/U PATIO T-95;REMARRIED P/U DRWY & SLAB
Legal Subdivision	BELLE FOREST
Legal Block	1
Legal Lot Number	28
Jurisdiction	MONTGOMERY TN
Township / Civil Division	11
Census Block Group	2
Census Block	2001
Census Tract	101102

Owner

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	405 CUNNINGHAM LN, CLARKSVILLE, TN 37042-5318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2007
Deed Sale	Mar 8, 2007
Prior Sale	Jan 9, 1997 · Amount on Record
Deed Book / Page	1159 / 2960
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Recording Date	Apr 1, 2026
Property Address	405 CUNNINGHAM LN, CLARKSVILLE, TN 37042-5318
Document Number	0001538510
Book / Page	2483 / 5089
Instrument Date	Mar 25, 2026
Instrument	20261538510
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CUNNINGHAM LN, CLARKSVILLE, TN 37042-5318

Mortgage

Document Number	0001538510,
Date	Apr 1, 2026
Book Page	2483/5089
Instrument	20261538510

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 1, 2066

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,746.00 (+1.33%)	$57,800 (-)	$231,200 (-) Land $49,000 Building $182,200
2024	$1,723.00 (+32.44%)	$57,800 (+87.51%)	$231,200 (+87.51%) Land $49,000 Building $182,200
2023	$1,301.00	$30,825 (-)
2022	$1,301.00	$30,825	$123,300 Land $23,100 Building $100,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	16 (2009–2025)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 3 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 3 claims

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

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	0.01% annual chance
Exposure	None beyond ember reach

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	CLARKSVILLE WATER DEPARTMENT serves 251,864 people · EPA ID TN0000116
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CDE Lightband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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