Putnam County property record for 511 E Speck Ave, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,198 sqft · built 1971 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $40,000 (Jan 2019) |
| Tax Bill | $555 (2022) |
| Deeds & Mortgages | Mar 2024 Transfer Apr 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 071071C B 00500 |
| Primary APN | 071071C B 00500 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,198 sqft Living Area |
| 1st Floor Area | 1,198 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 384 sqft |
| Carport | Carport |
| Carport Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 96 sqft |
| Patio Area | 200 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 511 E SPECK AVE |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 14, COUNTY AREA: R01 |
| Jurisdiction | PUTNAM TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2063 |
| Census Tract | 100 |
511 E Speck Ave is owned by a company that acquired it in March 2024.
Source: Putnam County records, as of January 26, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | PO BOX 156, MONTEREY, TN 38574-0156 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 8, 2024 | Intrafamily Transfer, Transfer |
| Apr 29, 2019 | Deed of Trust, Mortgage PUTNAM 1ST MERCANTILE BK |
| Jan 23, 2019 | Grant Deed, Transfer NOVARE NATIONAL SETTLEMENT SERVICES, NOVARE NAT'L SETTLEMENT SVC |
| Aug 13, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on File |
| Deed Sale | Jan 23, 2019 · Amount on File |
| Prior Sale | Aug 13, 2018 · Amount on File |
| Deed Book / Page | 1100 / 592 |
| Last Transfer Date | Mar 7, 2024 |
| Transfer Doc | 0001527536 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Mar 8, 2024 |
| Property Address | 511 E SPECK AVE, MONTEREY, TN 38574-1246 |
| Document Number | 0001527536 |
| Book / Page | 1527 / 536 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 295808 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 156, MONTEREY, TN 38574-0156 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM TN |
| Property Address | 511 E SPECK AVE, MONTEREY, TN 38574-1246 |
| Document Number | RB1117528 |
| Instrument Date | Apr 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 156 MONTEREY TN 385740156, MONTEREY, TN 38574-0156 |
| Document Number | RB1117528 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 001117/000528 |
| Instrument | 225621 |
| Name | PUTNAM 1ST MERCANTILE BK |
|---|---|
| Type | Bank |
| Address | COOKEVILLE, TN 38501 |
| Amount | Amount on Record |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Jan 23, 2019 |
| Property Address | 511 E SPECK AVE, MONTEREY, TN 38574-1246 |
| Document Number | RB1100592 |
| Book / Page | 001100 / 000592 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 222161 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2019 |
| Title Company | NOVARE NATIONAL SETTLEMENT SERVICES, NOVARE NAT'L SETTLEMENT SVC |
| Amount | Amount on Record |
|---|---|
| Tax | $148.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 W CLEVELAND AVE MONTEREY TN 385741102, MONTEREY, TN 38574-1102 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | PUTNAM TN |
| Recording Date | Aug 13, 2018 |
| Property Address | 511 E SPECK AVE, MONTEREY, TN 38574-1246 |
| Document Number | RB1073480 |
| Book / Page | 001073 / 000480 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 216848 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $205.19 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009 |
Source: Putnam County assessment roll, as of January 26, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Putnam County |
| Municipality | Monterey Town |
| Unified School District | Putnam County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,475 Land $3,750 Building $10,725 | ||
| 2023 | $14,475 Land $3,750 Building $10,725 | ||
| 2022 | $555.00 | ||
| 2021 | $57,900 Land $15,000 Building $42,900 |
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.
FEMA maps place 511 E Speck Ave in Zone X, an area of minimal flood risk.
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 risk around 511 E Speck Ave is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 62% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.09% 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 | 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 107 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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