Cumberland County property record for 509 E Cove Rd, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,222 sqft · built 1999 |
| Lot Size | 12.5 acres (545,807 sqft) |
| Owner | Owner Name on File |
| Last Sale | $33,831 (Jan 1999) |
| Tax Bill | $807 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 018007 00101 |
| Primary APN | 018007 00101 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,222 sqft Living Area |
| 1st Floor Area | 2,222 sqft |
| Basement Area | 144 sqft |
| Finished Basement | 144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 545,807 sqft (12.5 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
|---|---|
| Porch Area | 460 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Utility Building | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 509 E COVE RD |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-7055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: R01 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 970302 |
The current owner of 509 E Cove Rd bought it in January 1999.
Source: Cumberland County records, as of January 26, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 509 E COVE RD, MONTEREY, TN 38574-7055 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 1999 · Amount on File |
| Deed Sale | Jan 5, 1999 · Amount on File |
| Deed Document Number | 0001028310 |
| Deed Book / Page | 1028 / 310 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 509 E Cove Rd was $807.
Source: Cumberland County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Cumberland County |
| Unified School District | Cumberland County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $807.00 | $71,075 Land $13,875 Building $57,200 | |
| 2023 | $71,075 (-) Land $13,875 Building $57,200 | ||
| 2022 | $71,075 Land $13,875 Building $57,200 | $284,300 (-) Land $55,500 Building $228,800 | |
| 2021 | $284,300 Land $55,500 Building $228,800 | ||
| 2018 | $740.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 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 risk around 509 E Cove Rd is moderate, ranking above 52% 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 52% of the US · above 69% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 3 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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