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405 E Speck Ave, Monterey, TN 38574 Property Records

Putnam County property record for 405 E Speck Ave, Monterey, TN 38574

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,728 sqft · built 1965
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on File
Last Sale$25,000 (Apr 1991)
Tax Bill$1,544 (2022)
Deeds & MortgagesApr 2026 Mortgage
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN071071C A 00300

Property Details

APN / Parcel Number

Primary APN071071C A 00300
Alternative APN
  • 071C A 00300

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,728 sqft Living Area
1st Floor Area1,728 sqft
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1999
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area43,560 sqft (1 acres)
Lot Dimensions221 ft deep x 198 ft wide
TerrainRolling
Garage TypeMixed
Garage Area1,200 sqft
Parking Spaces8 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area589 sqft
Deck Area270 sqft
Patio Area270 sqft
Shed1 Shed
Shed Area400 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address405 E SPECK AVE
CityMONTEREY
StateTN
Zip38574-1244
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 14, COUNTY AREA: R01 1 ADDITIONAL MOBILE HOME
JurisdictionPUTNAM TN
Township / Civil Division4
Census Block Group2
Census Block2062
Census Tract100

Owner

405 E Speck Ave is owned and occupied by two individuals who acquired it in April 2016.

Source: Putnam County records, as of April 24, 2026

Owner of Record2 Individual Names on File
Mailing Address405 E SPECK AVE, MONTEREY, TN 38574-1244
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Ux (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

DateDocument
Apr 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
NONE LISTED ON DOCUMENT
Feb 12, 2021Deed of Trust, Mortgage · Commercial Mortgage
ONE BANK OF TENNESSEE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 2, 1991 · Amount on File
Deed SaleApr 2, 1991 · Amount on File
Prior SaleNov 27, 1981
Deed Book / Page317 / 385
Last Transfer DateApr 9, 2016
Transfer DocRB928626
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM TN
Recording DateApr 16, 2026
Property Address405 E SPECK AVE, MONTEREY, TN 38574-1244
Document Number0000169261
Book / Page1692 / 61
Instrument DateApr 8, 2026
Instrument2026323426
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 E SPECK AVE, MONTEREY, TN 38574-1244

Mortgage

Document Number0000323426,
DateApr 16, 2026
Book Page1692/61
Instrument2026323426
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
Interest
Rate6.11%
Max Rate-1%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM TN
Property Address405 E SPECK AVE, MONTEREY, TN 38574-1244
Transaction TypeMortgage
Record UpdatedFeb 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1276357
DateFeb 12, 2021
Book Page1276/357
Instrument252537
Lender
NameONE BANK OF TENNESSEE
TypeBank
AddressMONTEREY, TN 38574
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyPutnam County
MunicipalityMonterey Town
Unified School DistrictPutnam County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$40,300 Land $3,750 Building $36,550
2023$40,300 Land $3,750 Building $36,550
2022$1,544.00
2021$161,200 Land $15,000 Building $146,200

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

Flood

FEMA maps place 405 E Speck Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 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 RiskLow
lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMONTEREY WATER DEPT
serves 4,880 people · EPA ID TN0000471
Water SourceSurface water
Last State InspectionNov 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 107 locations within half a mile, as of December 31, 2025

ProviderMax 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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