Putnam County property record for 406 E Speck Ave, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,464 sqft · built 1900 |
| Lot Size | 0.469 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $53,000 (Jun 1996) |
| Tax Bill | $902 (2022) |
| Flood Zone | Zone X (minimal risk) |
| APN | 071071C A 00503 |
| Primary APN | 071071C A 00503 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,464 sqft Living Area |
| 1st Floor Area | 1,464 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.469 acres) |
| Lot Dimensions | 117 ft deep x 178 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 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 |
406 E Speck Ave is owned and occupied by two individuals who bought it in June 1996.
Source: Putnam County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 E SPECK AVE, MONTEREY, TN 38574-1245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 1996 · Amount on File |
| Deed Sale | Jun 12, 1996 · Amount on File |
| Deed Document Number | 0000371115 |
| Record Updated | Jun 8, 2026 |
Source: Putnam County assessment roll, as of May 20, 2025
| 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 | $23,550 Land $3,750 Building $19,800 | ||
| 2023 | $23,550 Land $3,750 Building $19,800 | ||
| 2022 | $902.00 | ||
| 2021 | $94,200 Land $15,000 Building $79,200 |
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 406 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 406 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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