490 Hemlock Trl, Monterey, TN 38574 Property Records

Fentress County property record for 490 Hemlock Trl, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,128 sqft · built 2001
Lot Size	4.05 acres (176,418 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Dec 2022)
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`025154 02964`

Property Details

APN / Parcel Number

Primary APN	`025154 02964`
Alternative APN	`154 02964`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,128 sqft Living Area
1st Floor Area	868 sqft
Upper Floors Area	434 sqft
Basement Area	868 sqft
Finished Basement	868 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	176,418 sqft (4.05 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	651 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	1,058 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	490 HEMLOCK TRL
City	MONTEREY
State	TN
Zip	38574-5070
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: F04
Legal Subdivision	RIVER WOOD ESTATES
Legal Lot Number	5-8
Jurisdiction	FENTRESS TN
Township / Civil Division	4
Census Block Group	2
Census Block	2015
Census Tract	965300

Owner

490 Hemlock Trl is owned and occupied by two individuals who bought it in December 2022.

Source: Fentress County records, as of January 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 27, 2022	Warranty Deed, Transfer
Dec 8, 2022	Intrafamily Transfer, Transfer PARAMOUNT TITLE SERVICES LLC
Dec 8, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTHWEST FUNDING LP
Apr 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 2, 2018	Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2022 · Amount on File
Deed Sale	Dec 8, 2022 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Document Number	20224530
Deed Book / Page	374 / 262
Prior Transfer Date	Dec 6, 2022
Prior Transfer Doc	0003740280
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FENTRESS TN
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003580848
Date	Mar 4, 2022
Book Page	358/848
Instrument	22000949

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Dec 27, 2022
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Document Number	0003750052
Book / Page	375 / 52
Map Reference	MB 3 PG 126
Instrument Date	Dec 22, 2022
Instrument	22004726
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Tax	$25.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FENTRESS TN
Recording Date	Dec 8, 2022
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Document Number	0003740280
Book / Page	374 / 280
Map Reference	MB 3 PG 126
Instrument Date	Dec 6, 2022
Instrument	22004532
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	PARAMOUNT TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Dec 8, 2022
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Document Number	0003740262
Book / Page	374 / 262
Map Reference	MB 3 PG 126
Instrument Date	Dec 2, 2022
Instrument	22004530
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,165.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070

Mortgage

Document Number	0022004531
Date	Dec 8, 2022
Instrument	22004531

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Apr 16, 2019
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Document Number	0002980342
Book / Page	000298 / 000342
Instrument Date	Apr 15, 2019
Instrument	1056
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$85.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 HEMLOCK TRL MONTEREY TN 385745070, MONTEREY, TN 38574-5070

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FENTRESS TN
Recording Date	Apr 2, 2018
Property Address	490 HEMLOCK TRL, MONTEREY, TN 38574-5070
Document Number	0002830144
Book / Page	283 / 144
Map Reference	MB 3 PG 126
Instrument Date	Mar 29, 2018
Instrument	18000940
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5765 WAYSIDE AVE, CINCINNATI, OH 45230-5132

Mortgage

Document Number	0018000941
Date	Apr 2, 2018
Instrument	18000941

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 Hemlock Trl was $1,053.

Source: Fentress County assessment roll, as of January 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,053.00	$78,025 Land $14,775 Building $63,250
2023		$78,025 (+78.85%) Land $14,775 Building $63,250	$312,100 (+78.85%) Land $59,100 Building $253,000
2022	$833.00	$43,625 Land $8,675 Building $34,950	$174,500 Land $34,700 Building $139,800

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 490 Hemlock Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

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

Wildfire risk around 490 Hemlock Trl is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · above 81% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Ben Lomand Rural Telephone Cooperative Fiber	1,000 / 1,000

May also be available: Twin Lakes, Xfinity.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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