406 E Spring St, Cookeville, TN 38501 Property Records

Putnam County property record for 406 E Spring St, Cookeville, TN 38501

Property Summary

Property Type	Auto Repair, Garage
Details	1.5 ba · 1,727 sqft · built 1945
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,041 (2022)
Deeds & Mortgages	Nov 2020 Loan Modification Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`071053F E 01200`

Property Details

APN / Parcel Number

Primary APN	`071053F E 01200`
Alternative APN	`053F E 01200`

Interior

Full Baths	1.5 Baths
Stories	1 Story
Building Area	1,727 sqft Total Area
1st Floor Area	1,727 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1989
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 E SPRING ST
City	COOKEVILLE
State	TN
Zip	38501-3359
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	CBD
Legal Description	DISTRICT: 01, COUNTY AREA: S01
Jurisdiction	PUTNAM TN
Township / Civil Division	1
Census Block Group	1
Census Block	1048
Census Tract	500

Owner

Source: Putnam County records, as of January 23, 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	PO BOX 426, COOKEVILLE, TN 38503-0426
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Loan Modification, Mortgage PUTNAM 1ST MERCANTILE BK
Dec 14, 2017	Loan Modification, Mortgage PUTNAM 1ST MERCANTILE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 12, 2016
Transfer Doc	RB917584
Record Updated	Jun 8, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM TN
Property Address	406 E SPRING ST, COOKEVILLE, TN 38501-3359
Document Number	RB1252698
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 426 COOKEVILLE TN 385030426, COOKEVILLE, TN 38503-0426

Mortgage

Document Number	RB1252698
Date	Nov 17, 2020
Book Page	001252/000698
Instrument	248776

Lender

Name	PUTNAM 1ST MERCANTILE BK
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Term	36 Months
Due	Nov 16, 2023

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	PUTNAM TN
Property Address	406 E SPRING ST, COOKEVILLE, TN 38501-3359
Document Number	RB1032701
Book / Page	001032 / 000701
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 426 COOKEVILLE TN 385030426, COOKEVILLE, TN 38503-0426

Mortgage

Document Number	RB1032701
Date	Dec 15, 2017
Book Page	001032/000701
Instrument	208769

Lender

Name	PUTNAM 1ST MERCANTILE BK
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Term	36 Months
Due	Dec 14, 2020

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Municipality	Cookeville City
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,000 (-) Land $30,000 Building $32,000
2023		$62,000 Land $30,000 Building $32,000
2022	$2,041.00
2021			$155,000 Land $75,000 Building $80,000

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 February 14, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2010–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2026 · rainfall accumulation

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	Not rated no burnable land within 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	COOKEVILLE WATER DEPT serves 49,711 people · EPA ID TN0000133
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Twin Lakes.

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