412 Montego Cv, Hermitage, TN 37076 Property Records

Nashville-Davidson Metropolitan Government property record for 412 Montego Cv, Hermitage, TN 37076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,877 sqft · built 1977
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$284,000 (Jan 2017)
Tax Bill	$3,651 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098-05-0-099-00`

Property Details

APN / Parcel Number

Primary APN	`098-05-0-099-00`
Alternative APN	`000100542`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,877 sqft Living Area
1st Floor Area	1,122 sqft
Attic Area	168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	160 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	382 sqft
Deck Area	514 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	000100542
Old Parcel Number	098050 09900
Street Address	412 MONTEGO CV
City	HERMITAGE
State	TN
Zip	37076-3109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS15
Legal Description	LOT 223 LAKE PARK SEC 6
Legal Subdivision	LAKE PARK SEC 06
Legal Lot Number	223
Jurisdiction	DAVIDSON TN
Township / Civil Division	12
Census Block Group	1
Census Block	1000
Census Tract	15632

Owner

412 Montego Cv is owned and occupied by an individual who bought it in January 2017.

Source: Nashville-Davidson Metropolitan Government records, as of December 18, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	412 MONTEGO CV, HERMITAGE, TN 37076-3109
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2017 · Amount on File
Deed Sale	Jan 17, 2017 · Amount on File
Prior Sale	Nov 30, 2016
Deed Document Number	20170117-0004971
Record Updated	Jun 8, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIDSON TN
Recording Date	Jan 17, 2017
Property Address	412 MONTEGO CV, HERMITAGE, TN 37076-3109
Document Number	0000004971
Map Reference	MB4885 PG176
Instrument Date	Jan 13, 2017
Instrument	20170117-0004971
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	WARRANTY TITLE INS CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.80
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MONTEGO CV, HERMITAGE, TN 37076-3109

Mortgage

Document Number	0000004972
Date	Jan 17, 2017
Instrument	20170117-0004972

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 412 Montego Cv was $3,651.

Source: Nashville-Davidson Metropolitan Government assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County / Consolidated City	Nashville-Davidson Metropolitan Government
Unified School District	Metropolitan Nashville Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,651.00	$131,250 Land $20,000 Building $111,250	$525,000 Land $80,000 Building $445,000
2023	$2,447.00 (-22.88%)	$83,775 (-) Land $11,750 Building $72,025
2022	$3,173.00	$83,775 Land $11,750 Building $72,025	$335,100 (-) Land $47,000 Building $288,100
2021			$335,100 Land $47,000 Building $288,100

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 412 Montego Cv in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective June 28, 2026 · 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 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2019–2021)
Most Recent Claim	Mar 2021 · river or lake flooding

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 412 Montego Cv is low, with a 0.01% annual chance of 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	METRO WATER SERVICES serves 789,969 people · EPA ID TN0000494
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 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	3 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20