4548 Old Hwy 48, Cunningham, TN 37052 Property Records

Montgomery County property record for 4548 Old Hwy 48, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,761 sqft · built 2019
Lot Size	1.62 acres (70,567 sqft)
Owner	Individual Name on File
Last Sale	$322,900 (Sep 2019)
Tax Bill	$4,471 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`143 63.04 22143`

Property Details

APN / Parcel Number

Primary APN	`143 63.04 22143`
Alternative APN	`143 06304 00022143`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,761 sqft Living Area
1st Floor Area	1,489 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	70,567 sqft (1.62 acres)
Garage Type	Attached
Garage Area	945 sqft
Driveway	Driveway
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4548 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	3
Jurisdiction	MONTGOMERY TN
Township / Civil Division	6
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 Name on File
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED SECURITY FINANCIAL CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 19, 2019 · Amount on Record
Deed Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	20191224470
Deed Book / Page	1911 / 1811
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Recording Date	May 28, 2026
Property Address	4548 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Document Number	0001545654
Book / Page	2492 / 2172
Instrument Date	May 22, 2026
Instrument	20261545654
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4548 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Investor	Possibly a Property Investor

Mortgage

Document Number	0001545654,
Date	May 28, 2026
Book Page	2492/2172
Instrument	20261545654

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 15, 2036

Interest

Rate	6.23%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4548 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001296159
Date	Jan 21, 2021
Book Page	2052/1181
Instrument	1296159

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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	$4,471.00 (+82.94%)	$145,650 (+78.17%)	$582,600 (+78.17%) Land $75,000 Building $507,600
2023	$2,444.00	$81,750 (-)
2022	$2,444.00	$81,750	$327,000 Land $32,600 Building $294,400

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 at the parcel

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 and 4G LTE (outdoors only)

Nearby Properties on Old Hwy 48

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures