486 Cates Rd, Monterey, TN 38574 Property Records

Putnam County property record for 486 Cates Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,834 sqft · built 1900
Lot Size	14.8 acres (644,688 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,257 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071048 02300`

Property Details

APN / Parcel Number

Primary APN	`071048 02300`
Alternative APN	`048 02300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,834 sqft Living Area
1st Floor Area	1,834 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	644,688 sqft (14.8 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	576 sqft
Porch	Open Porch
Porch Area	1,115 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	486 CATES RD
City	MONTEREY
State	TN
Zip	38574-1078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14 REM WILLIAM E BOMAN, COUNTY AREA: M02
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	2
Census Block	2002
Census Tract	100

Owner

Source: Putnam County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	342 CATES RD, MONTEREY, TN 38574-1078
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 7, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 1996
Deed Sale	Jul 31, 1996
Prior Sale	Jun 25, 1990
Deed Book / Page	372 / 719
Last Transfer Date	Dec 20, 2019
Transfer Doc	0000326708
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 6, 2026
Property Address	486 CATES RD, MONTEREY, TN 38574-1078
Document Number	0000326708
Book / Page	1712 / 216
Instrument Date	Dec 20, 2019
Instrument	2026326708
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 6, 2026
Property Address	486 CATES RD, MONTEREY, TN 38574-1078
Document Number	0000326707
Book / Page	1712 / 214
Instrument Date	Dec 20, 2019
Instrument	2026326707
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 BENT TREE DR, CROSSVILLE, TN 38555-3867

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 6, 2026
Property Address	486 CATES RD, MONTEREY, TN 38574-1078
Document Number	0000326707
Book / Page	1712 / 214
Instrument Date	Dec 20, 2019
Instrument	2026326707
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 BENT TREE DR, CROSSVILLE, TN 38555-3867

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Aug 7, 2018
Property Address	342 CATES RD, MONTEREY, TN 38574-1078
Document Number	RB1072664
Book / Page	001072 / 000664
Instrument Date	Aug 7, 2018
Instrument	216689
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$37.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 CATES RD MONTEREY TN 385741078, MONTEREY, TN 38574-1078

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,257.00 (+7.62%)	$47,250 (-) Land $7,425 Building $39,825
2023		$47,250 Land $7,425 Building $39,825
2022	$1,168.00
2021			$189,000 Land $29,700 Building $159,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 70% 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 58 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 Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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