Montgomery County property record for 445 Grays Chapel Rd, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,692 sqft · built 1957 |
| Lot Size | 48.8 acres (2,126,599 sqft) |
| Owner | Individual Name on File |
| Last Sale | $968 (May 2023) |
| Tax Bill | $2,633 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 148 35.00 |
| Primary APN | 148 35.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,692 sqft Living Area |
| Gross Area | 7,305 sqft |
| 1st Floor Area | 2,762 sqft |
| Basement Area | 930 sqft |
| Finished Basement | 930 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,126,599 sqft (48.8 acres) |
| Garage Type | Attached |
| Garage Area | 2,795 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 245 sqft |
| Shed | 1 Shed |
| Shed Area | 840 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 445 GRAYS CHAPEL RD |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-4937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 9-2 P/U DCU T-99; R.O.W. RED ACREAGE P/U IMP SHED & P BARN T-11 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 101702 |
445 Grays Chapel Rd is owned and occupied by an individual who bought it in May 2023.
Source: Montgomery County records, as of May 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4937 |
| 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.
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| May 12, 2023 | Warranty Deed, Transfer NOT AVAILABLE, APEX TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2023 · Amount on File |
| Deed Sale | May 12, 2023 · Amount on File |
| Deed Document Number | 20231422557 |
| Deed Book / Page | 2297 / 1216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | Apr 27, 2026 |
| Property Address | 445 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4937 |
| Document Number | 0001541413 |
| Book / Page | 2487 / 1209 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261541413 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 445 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4937 |
| Document Number | 0001541413, |
|---|---|
| Date | Apr 27, 2026 |
| Book Page | 2487/1209 |
| Instrument | 20261541413 |
| Name | FIRST HORIZON BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Recording Date | May 12, 2023 |
| Property Address | 445 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4937 |
| Document Number | 02297/1216 |
| Book / Page | 2297 / 1216 |
| Instrument Date | May 12, 2023 |
| Instrument | 1422557 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | NOT AVAILABLE, APEX TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $3.58 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 260 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4932 |
The 2025 property tax bill for 445 Grays Chapel Rd was $2,633.
Source: Montgomery County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,633.00 | $125,394 (-) | $501,577 (-) Land $483,000 Building $18,577 |
| 2024 | $2,633.00 (+18.87%) | $125,394 (+69.25%) | $501,577 Land $483,000 Building $18,577 |
| 2023 | $2,215.00 | $74,087 (-) | |
| 2022 | $2,215.00 | $74,087 | $296,347 Land $91,347 Building $205,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Grays Chapel Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · 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 | 3 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 risk around 445 Grays Chapel Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | CUNNINGHAM UTILITY DISTRICT serves 16,068 people · EPA ID TN0000167 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
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