466 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 466 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,278 sqft · built 2008
Lot Size	2.8 acres (121,968 sqft)
Owner	Individual Name on File
Last Sale	$132,500 (May 2019)
Tax Bill	$389 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018007 04000`

Property Details

APN / Parcel Number

Primary APN	`018007 04000`
Alternative APN	`007 04000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,278 sqft Living Area
1st Floor Area	1,278 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	121,968 sqft (2.8 acres)
Terrain	Rolling
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	300 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	466 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	29
Legal Lot Number	54
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3004
Census Tract	970302

Owner

466 E Cove Rd is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	466 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
Feb 20, 2024	Deed of Trust, Mortgage FIRST NATIONAL BANK OF TENNESSEE
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage COLONIAL SAVINGS FA
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF TENNESSEE
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Prior Sale	Jun 29, 2015 · Amount on File
Deed Document Number	19006336
Deed Book / Page	1550 / 1895
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	466 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	466 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000016858
Date	Feb 20, 2024
Book Page	1690/862
Instrument	24016858

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Amount	Amount on Record
Term	61 Months
Due	Mar 15, 2029

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	466 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004906
Date	Apr 5, 2022
Book Page	1640/1833
Instrument	22004906

Lender

Name	COLONIAL SAVINGS FA
Type	Bank
Address	FORT WORTH, TX 76102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	466 E COVE RD, MONTEREY, TN 38574-7050
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	466 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000010690
Date	Sep 3, 2020
Book Page	1586/585
Instrument	20010690

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	May 31, 2019
Property Address	466 E COVE RD, MONTEREY, TN 38574-7050
Document Number	0000006336
Book / Page	1550 / 1895
Map Reference	MB 8 PG 257-265
Instrument Date	May 30, 2019
Instrument	19006336
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	466 E COVE RD, MONTEREY, TN 38574-7050

Mortgage

Document Number	0000006337
Date	May 31, 2019
Instrument	19006337

Lender

Name	FIRST NATIONAL BANK OF TENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 466 E Cove Rd was $389.

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	$389.00	$34,250 Land $7,500 Building $26,750
2023		$34,250 (+15.42%) Land $7,500 Building $26,750
2022		$29,675 Land $7,500 Building $22,175	$137,000 (+15.42%) Land $30,000 Building $107,000
2021			$118,700 Land $30,000 Building $88,700
2018	$364.00

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 466 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 466 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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