4820 Old Hwy 48, Cunningham, TN 37052 Property Records

Montgomery County property record for 4820 Old Hwy 48, Cunningham, TN 37052

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,309 sqft · built 2005
Lot Size	10.2 acres (446,490 sqft)
Owner	Individual Name on Record
Last Sale	$379,000 (Feb 2012)
Tax Bill	$4,389 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`143 65.08`

Property Details

APN / Parcel Number

Primary APN	`143 65.08`
Alternative APNs	`143 06508 000` `68282`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,309 sqft Living Area
Gross Area	6,757 sqft
1st Floor Area	2,166 sqft
Upper Floors Area	1,143 sqft
Basement Area	2,126 sqft
Unfinished Basement	2,126 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	446,490 sqft (10.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Porch
Porch Area	794 sqft
Deck Area	380 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	4820 OLD HIGHWAY 48
City	CUNNINGHAM
State	TN
Zip	37052-4958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	QC V794-2528 T-02;SWD V1021-2384 T-06; SALE INCLUDED PCLS 65.08 & 65.09 V1012-2384;CODE 8 CONCRETE ON LFT SIDE OF HSE; AC INC
Jurisdiction	MONTGOMERY TN
Township / Civil Division	6
Census Block Group	2
Census Block	2011
Census Tract	101702

Owner

Source: Montgomery County records, 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 Record
Mailing Address	4820 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit FORTERA FCU
May 16, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2012 · Amount on Record
Deed Sale	Feb 22, 2012 · Amount on Record
Prior Sale	Aug 20, 2003 · Amount on Record
Deed Document Number	2012919560
Deed Book / Page	1428 / 2435
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4820 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4958
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02332/2322
Date	Oct 27, 2023
Book Page	2332/2322
Instrument	1441244

Lender

Name	FORTERA FCU
Type	Credit Union
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4820 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001164673
Date	May 16, 2018
Book Page	1811/1502
Instrument	1164673

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY TN
Property Address	4820 OLD HIGHWAY 48, CUNNINGHAM, TN 37052-4958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001277189
Date	Sep 24, 2020
Book Page	2013/688
Instrument	1277189

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jul 1, 2048

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	$4,389.00	$209,000 (-)	$836,000 (-) Land $152,400 Building $683,600
2024	$4,389.00 (+51.29%)	$209,000 (+115.41%)	$836,000 (+115.41%) Land $152,400 Building $683,600
2023	$2,901.00	$97,025 (-)
2022	$2,901.00	$97,025	$388,100 Land $67,600 Building $320,500

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	0.03% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumberland Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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