453 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 453 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,184 sqft · built 2025
Lot Size	7.8 acres (339,768 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Dec 2024)
Tax Bill	$953 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage May 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-029.00`

Property Details

APN / Parcel Number

Primary APN	`007-029.00`
Alternative APNs	`0200700702900` `018007 02900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	2,184 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	339,768 sqft (7.8 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	453 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMB COVE IV PB 8 PG 257 BLK 30 LOT 1
Legal Subdivision	CUMB COVE IV
Legal Block	30
Legal Lot Number	1
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3002
Census Tract	970302

Owner

453 E Cove Rd is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	453 E COVE RD, MONTEREY, TN 38574-7053
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 23, 2024	Warranty Deed, Transfer · Seller Carry-Back BRAXTON TAYES
May 17, 2024	Quit Claim Deed, Transfer LOONEY AND CHADWELL TITLE SERVICES, LOONEY & CHADWELL TITLE SVCS
Apr 16, 2024	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	May 17, 2024
Deed Document Number	202429163
Deed Book / Page	1712 / 1924
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Dec 23, 2024
Property Address	453 E COVE RD, MONTEREY, TN 38574-7053
Document Number	0000029163
Book / Page	1712 / 1924
Map Reference	MB 8 PG 257-265
Instrument Date	Dec 20, 2024
Instrument	24029163
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	EDCO TITLE AND CLOSING SERVICES, ENCORE TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
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	453 E COVE RD, MONTEREY, TN 38574-7053

Mortgage

Document Number	0000029164
Date	Dec 23, 2024
Instrument	24029164

Lender

Name	BRAXTON TAYES
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	6 Months
Due	Jun 23, 2025

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND TN
Recording Date	May 17, 2024
Property Address	453 E COVE RD, MONTEREY, TN 38574-7053
Document Number	0000020208
Book / Page	1696 / 309
Map Reference	MB 8 PG 257-265
Instrument Date	May 17, 2024
Instrument	24020208
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	LOONEY AND CHADWELL TITLE SERVICES, LOONEY & CHADWELL TITLE SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 BAYLEE BLVD, MONTEREY, TN 38574-6501

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 16, 2024
Property Address	453 E COVE RD, MONTEREY, TN 38574-7053
Document Number	0000019088
Book / Page	1694 / 150
Map Reference	MB 8 PG 257-265
Instrument Date	Apr 8, 2024
Instrument	24019088
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$166.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 OLD BEAN SHED RD, CLARKRANGE, TN 38553-5423

Tax Assessment & Valuation

The 2025 property tax bill for 453 E Cove Rd was $953, up 736% 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	$953.00 (+735.96%)	$83,925 Land $10,000 Building $73,925	$335,700 Land $40,000 Building $295,700
2024	$114.00
2023		$10,000 (-) Land $10,000
2022		$10,000 Land $10,000	$335,700 (+739.25%) Land $40,000 Building $295,700
2021			$40,000 Land $40,000
2018	$149.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 453 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 453 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 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

Cell Coverage

4G LTE only, no 5G reported

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