454 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 454 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,270 sqft · built 1989
Lot Size	4.59 acres (200,376 sqft)
Owner	Individual Name on File
Last Sale	$399,999 (Oct 2021)
Tax Bill	$1,362 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`024X 03700 000`

Property Details

APN / Parcel Number

Primary APN	`024X 03700 000`
Alternative APNs	`018007 03700` `007 03700`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	3,270 sqft Living Area
1st Floor Area	2,435 sqft
Upper Floors Area	835 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2007
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	200,376 sqft (4.59 acres)
Terrain	Rolling
Garage Type	Unfinished
Garage Area	374 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	428 sqft
Deck Area	352 sqft
Patio Area	408 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	024X 03700 000
Street Address	454 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMB COVE IV
Legal Block	27
Legal Lot Number	61
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3004
Census Tract	970302

Owner

454 E Cove Rd is owned and occupied by an individual who acquired it in March 2022.

Source: Cumberland County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	454 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.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 18, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, LEDBETTER TITLE COMPANY LLC
Oct 11, 2021	Warranty Deed, Transfer
Feb 2, 2017	Deed of Trust, Mortgage BANK OF PUTNAM COUNTY
Feb 5, 2020	Deed of Trust, Mortgage AMERIS BK
Mar 16, 2017	Deed, Transfer BANK OF PUTNAM COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on File
Deed Sale	Oct 11, 2021 · Amount on File
Prior Sale	Oct 11, 2021 · Amount on File
Deed Document Number	0000015161
Deed Book / Page	1624 / 2498
Last Transfer Date	Mar 18, 2022
Transfer Doc	0000004092
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000001601
Date	Jan 30, 2026
Book Page	1740/2474
Instrument	26001601

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000019023
Date	Dec 28, 2022
Book Page	1662/857
Instrument	22019023

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 18, 2022
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Document Number	0000004092
Book / Page	1639 / 547
Map Reference	MB 8 PG 263
Instrument Date	Mar 18, 2022
Instrument	22004092
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	NOT AVAILABLE, LEDBETTER TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	454 E COVE RD, MONTEREY, TN 38574-7050

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Oct 11, 2021
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Document Number	0000015161
Book / Page	1624 / 2498
Map Reference	MB 8 PG 257&258
Instrument Date	Oct 4, 2021
Instrument	21015161
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount on Record
Tax	$1,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 E COVE RD, MONTEREY, TN 38574-7050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001359
Date	Feb 2, 2017
Book Page	1494/1868
Instrument	17001359

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Amount	Amount on Record

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	TENNESSEE TITLE SERVICES LLC, TENNESSEE TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	454 E COVE RD MONTEREY TN 385747050, MONTEREY, TN 38574-7050

Mortgage

Document Number	1355
Date	Feb 7, 2020
Book Page	001569/000734
Instrument	1355

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2050

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 16, 2017
Property Address	454 E COVE RD, MONTEREY, TN 38574-7050
Document Number	0000003098
Book / Page	1497 / 695
Instrument Date	Mar 15, 2017
Instrument	17003098
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000003099
Date	Mar 16, 2017
Book Page	1497/697
Instrument	17003099

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 454 E Cove Rd was $1,362.

Source: Cumberland County assessment roll, as of May 20, 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	$1,362.00	$120,025 Land $11,250 Building $108,775
2023		$120,025 (-) Land $11,250 Building $108,775
2022	$1,362.00	$120,025 Land $11,250 Building $108,775	$480,100 (-) Land $45,000 Building $435,100
2021			$480,100 Land $45,000 Building $435,100
2018	$789.00

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.

Flood

FEMA maps place 454 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 454 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

5G (outdoors only) and 4G LTE

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