4532 Old Hwy 48, Cunningham, TN 37052 Property Records

Montgomery County property record for 4532 Old Hwy 48, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,161 sqft · built 2019
Lot Size	1.66 acres (72,310 sqft)
Owner	Individual on Record
Last Sale	$350,000 (Jun 2021)
Tax Bill	$2,409 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`143 63.00`

Property Details

APN / Parcel Number

Primary APN	`143 63.00`
Alternative APNs	`143 06300 000` `68274`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,161 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	1,991 sqft
Upper Floors Area	1,208 sqft
Basement Area	1,382 sqft
Finished Basement	576 sqft
Unfinished Basement	806 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	72,310 sqft (1.66 acres)
Garage Type	Carport
Garage Area	500 sqft
Carport	Carport
Carport Area	500 sqft
Driveway	Driveway

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4532 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	5
Jurisdiction	MONTGOMERY TN
Township / Civil Division	4
Census Block Group	2
Census Block	2009
Census Tract	101702

Owner

Source: Montgomery County assessment roll, 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	Individual on Record
Mailing Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONS LNDG
Aug 6, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Sep 19, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	20211320796
Deed Book / Page	2101 / 1733
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Jun 9, 2021
Property Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	02101/1733
Book / Page	2101 / 1733
Map Reference	MB J PG 95
Instrument Date	Jun 8, 2021
Instrument	1320796
Transaction Type	Transfer
Record Updated	May 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901

Mortgage

Document Number	0001320797
Date	Jun 9, 2021
Instrument	1320797

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	0001262365
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4532 OLD HIGHWAY 48 CUNNINGHAM TN 370524901, CUNNINGHAM, TN 37052-4901

Mortgage

Document Number	0001262365
Date	Jun 22, 2020
Book Page	001983/001059
Instrument	1262365

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Aug 6, 2019
Property Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	0001218479
Book / Page	001901 / 000222
Instrument Date	Jul 31, 2019
Instrument	1218479
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.76
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4532 OLD HIGHWAY 48 CUNNINGHAM TN 370524901, CUNNINGHAM, TN 37052-4901

Mortgage

Document Number	1218480
Date	Aug 6, 2019
Book Page	001901/000225
Instrument	1218480

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY TN
Recording Date	Sep 19, 2018
Property Address	4532 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	0001180945
Book / Page	1838 / 35
Instrument Date	Sep 13, 2018
Instrument	1180945
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 HIGHWAY 49, PALMYRA, TN 37142
Investor	Possibly a Property Investor

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	$2,409.00	$114,725 (-)	$458,900 (-) Land $75,000 Building $383,900
2024	$2,409.00 (+23.67%)	$114,725 (+76.09%)	$458,900 (+76.09%) Land $75,000 Building $383,900
2023	$1,948.00	$65,150 (-)
2022	$1,948.00	$65,150	$260,600 Land $32,600 Building $228,000

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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