Cumberland County property record for 446 E Cove Rd, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,488 sqft · built 1993 |
| Lot Size | 3.5 acres (152,460 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,900 (Jun 2006) |
| Tax Bill | $882 (2025) |
| Deeds & Mortgages | Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-035.00 |
| Primary APN | 007-035.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,488 sqft Living Area |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 1,120 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | L-Shape |
| Exterior Material | Siding Sheathing |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 152,460 sqft (3.5 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 432 sqft |
| Deck Area | 120 sqft |
| Patio Area | 400 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 446 E COVE RD |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-7050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMB COVE IV PB 8 PG 257 BLK 27 LOT 59 |
| Legal Subdivision | CUMB COVE IV |
| Legal Block | 27 |
| Legal Lot Number | 59 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 970302 |
446 E Cove Rd is owned and occupied by two individuals who bought it in June 2006.
Source: Cumberland County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 446 E COVE RD, MONTEREY, TN 38574-7050 |
| 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 5, 2006 · Amount on File |
| Deed Sale | Jun 5, 2006 · Amount on File |
| Prior Sale | Jun 2, 2006 · Amount on File |
| Deed Book / Page | 1232 / 2454 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 446 E COVE RD, MONTEREY, TN 38574-7050 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000002683 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 1545/0122 |
| Instrument | 19002683 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 446 E Cove Rd was $882.
Source: Cumberland County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Cumberland County |
| Unified School District | Cumberland County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $882.00 | $77,675 Land $8,750 Building $68,925 | $310,700 Land $35,000 Building $275,700 |
| 2024 | $882.00 | ||
| 2023 | $77,675 (-) Land $8,750 Building $68,925 | ||
| 2022 | $77,675 Land $8,750 Building $68,925 | $310,700 (-) Land $35,000 Building $275,700 | |
| 2021 | $310,700 Land $35,000 Building $275,700 | ||
| 2018 | $747.00 |
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.
FEMA maps place 446 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 risk around 446 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.
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 10 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 |
| Verizon Fixed Wireless | 300 / 20 |
4G LTE only, no 5G reported
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