4524 Old Hwy 48, Cunningham, TN 37052 Property Records

Montgomery County property record for 4524 Old Hwy 48, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,809 sqft · built 2019
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Oct 2025)
Tax Bill	$4,087 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`143 63.06 22143`

Property Details

APN / Parcel Number

Primary APN	`143 63.06 22143`
Alternative APN	`143 06306 00022143`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,809 sqft Living Area
1st Floor Area	1,217 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	72,310 sqft (1.66 acres)
Garage Type	Attached
Garage Area	500 sqft
Driveway	Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4524 OLD HIGHWAY 48
City	CUNNINGHAM
State	TN
Zip	37052-4901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Subdivision	BENNY SKINNER PROPERTY
Legal Lot Number	6
Jurisdiction	MONTGOMERY TN
Township / Civil Division	4
Census Block Group	2
Census Block	2009
Census Tract	101702

Owner

Source: Montgomery County records, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP
Oct 30, 2025	Special Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Oct 30, 2025	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY RESIDENTIAL SLN
Feb 15, 2023	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Oct 30, 2025 · Amount on Record
Deed Document Number	20251520864
Deed Book / Page	2463 / 1738
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02128/2405
Date	Aug 24, 2021
Book Page	2128/2405
Instrument	1334764

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Oct 30, 2025
Property Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	02463/1738
Book / Page	2463 / 1738
Map Reference	MB J PG 95
Instrument Date	Oct 8, 2025
Instrument	1520864
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,979.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 DALLAS PKWY STE 101, 101, FRISCO, TX 75034-8984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901

Mortgage

Document Number	0001520865
Date	Oct 30, 2025
Instrument	1520865

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Oct 30, 2025
Property Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	02463/1736
Book / Page	2463 / 1736
Map Reference	MB J PG 95
Instrument Date	Sep 26, 2024
Instrument	1520863
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY RESIDENTIAL SLN

Transaction

Amount	Amount Recorded
Tax	$1,979.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 DALLAS PKWY STE 101, 101, FRISCO, TX 75034-8984
Investor	Possibly a Property Investor

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Feb 15, 2023
Property Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	02279/2913
Book / Page	2279 / 2913
Map Reference	MB J PG 95
Instrument Date	Feb 15, 2023
Instrument	1413197
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	SIGNATURE TITLE, SIGNATURE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,979.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901

Mortgage

Document Number	0001413198
Date	Feb 15, 2023
Instrument	1413198

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Montgomery County
Unified School District	Clarksville-Montgomery County School System (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,087.00 (+1.89%)	$133,150 (-0.75%)	$532,600 (-0.75%) Land $75,000 Building $457,600
2024	$4,011.00 (+71.63%)	$134,150 (+71.6%)	$536,600 (+71.6%) Land $75,000 Building $461,600
2023	$2,337.00	$78,175 (-)
2022	$2,337.00	$78,175	$312,700 Land $32,600 Building $280,100

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

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

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	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cumberland Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Old Hwy 48

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