409 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 409 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 2024
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$17,000 (Apr 2022)
Tax Bill	$765 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Dec 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035-067.00`

Property Details

APN / Parcel Number

Primary APN	`035-067.00`
Alternative APNs	`0203503506700` `018035 06700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	1,632 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,916 sqft (1.1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	409 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMB COVE IV PB 8 PG 257 BLK 26 LOT 3
Legal Subdivision	CUMB COVE IV
Legal Block	26
Legal Lot Number	3
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3006
Census Tract	970302

Owner

409 E Cove Rd is owned and occupied by an individual who bought it in April 2022.

Source: Cumberland County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	409 E COVE RD, MONTEREY, TN 38574-7052
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF LAFAYETTE
Dec 13, 2023	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK OF LAFAYETTE
Jun 6, 2025	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST CO
Apr 4, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on File
Deed Sale	Apr 4, 2022 · Amount on File
Prior Sale	Jul 28, 2009 · Amount on File
Deed Document Number	20224857
Deed Book / Page	1640 / 1580
Transfer Doc	01301/1079
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	409 E COVE RD, MONTEREY, TN 38574-7052
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E COVE RD, MONTEREY, TN 38574-7052

Mortgage

Document Number	0000032334
Date	Mar 24, 2025
Book Page	1718/1939
Instrument	25032334

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank
Address	LAFAYETTE, TN 37083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	409 E COVE RD, MONTEREY, TN 38574-7052
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 GEORGE BRANCH DR, MONTEREY, TN 38574-3747

Mortgage

Document Number	0000014580
Date	Dec 13, 2023
Book Page	1686/1464
Instrument	23014580

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank
Address	SHELBYVILLE, TN 37160

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Jun 8, 2025

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	409 E COVE RD, MONTEREY, TN 38574-7052
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E COVE RD, MONTEREY, TN 38574-7052

Mortgage

Document Number	0000035662
Date	Jun 6, 2025
Book Page	1724/1814
Instrument	25035662

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 4, 2022
Property Address	409 E COVE RD, MONTEREY, TN 38574-7052
Document Number	0000004857
Book / Page	1640 / 1580
Map Reference	MB 8 PG 257
Instrument Date	Mar 19, 2022
Instrument	22004857
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Amount	Amount on Record
Tax	$62.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 TRILLO ST, SAINT AUGUSTINE, FL 32086-7321

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Cove Rd was $765, up 1,133.9% from the year before.

Source: Cumberland County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Cumberland County
Unified School District	Cumberland County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$765.00 (+1,133.87%)	$67,400 Land $5,500 Building $61,900	$269,600 Land $22,000 Building $247,600
2024	$62.00
2023		$5,500 (-11.29%) Land $5,500
2022		$6,200 Land $5,500 Building $700	$269,600 (+987.1%) Land $22,000 Building $247,600
2021			$24,800 Land $22,000 Building $2,800
2018	$99.00

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.

Flood

FEMA maps place 409 E Cove Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2007 · 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
Nearby Flood Policies	2 in force

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

Wildfire risk around 409 E Cove Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 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 Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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