Montgomery County property record for 488 Grays Chapel Rd, Cunningham, TN 37052
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,286 sqft · built 1997 |
| Lot Size | 1.55 acres (67,518 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $3,800 (Jan 1996) |
| Tax Bill | $2,599 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148 68.05 |
| Primary APN | 148 68.05 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 4,406 sqft |
| 1st Floor Area | 1,822 sqft |
| Upper Floors Area | 464 sqft |
| Flooring | Parquet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 67,518 sqft (1.55 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Pool Area | 560 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 616 sqft |
| Deck Area | 192 sqft |
| Patio Area | 592 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 488 GRAYS CHAPEL RD |
|---|---|
| City | CUNNINGHAM |
| State | TN |
| Zip | 37052-4936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | P/U ST2,WDDK,POOL,SPLIT UNIT & OPSHED T-04 |
| Jurisdiction | MONTGOMERY TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 101702 |
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 | 488 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP |
| May 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 1996 · Amount on Record |
| Deed Sale | Jan 26, 1996 · Amount on Record |
| Deed Book / Page | 583 / 808 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 488 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4936 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002483/362 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 2483/362 |
| Instrument | 1537764 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30342 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY TN |
| Property Address | 488 GRAYS CHAPEL RD, CUNNINGHAM, TN 37052-4936 |
| Document Number | 0001209446 |
| Instrument Date | May 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 488 GRAYS CHAPEL RD CUNNINGHAM TN 370524936, CUNNINGHAM, TN 37052-4936 |
| Document Number | 0001209446 |
|---|---|
| Date | Jun 3, 2019 |
| Book Page | 001884/001851 |
| Instrument | 1209446 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2049 |
Source: Montgomery County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Montgomery County |
| Unified School District | Clarksville-Montgomery County School System (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,599.00 | $123,775 (-) | $495,100 (-) Land $75,300 Building $419,800 |
| 2024 | $2,599.00 (+45.44%) | $123,775 (+107.07%) | $495,100 (+107.07%) Land $75,300 Building $419,800 |
| 2023 | $1,787.00 | $59,775 (-) | |
| 2022 | $1,787.00 | $59,775 | $239,100 Land $32,600 Building $206,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cumberland Connect Fiber | 1,000 / 1,000 |
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