519 E Cove Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 519 E Cove Rd, Monterey, TN 38574

Property Summary

Property Type	Rural Home
Details	2 ba · 1,824 sqft · built 1999
Lot Size	133 acres (5,810,904 sqft)
Owner	Individual Name on File
Last Sale	$26,500 (Apr 2021)
Tax Bill	$1,408 (2025)
Deeds & Mortgages	Apr 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`018024 00400`

Property Details

APN / Parcel Number

Primary APN	`018024 00400`
Alternative APN	`024 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Basement Area	1,824 sqft
Unfinished Basement	1,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	5,810,904 sqft (133 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	138 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	519 E COVE RD
City	MONTEREY
State	TN
Zip	38574-7055
Property Category	Residential
Property Type	Residential > Single Family > Rural 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

Owner

519 E Cove Rd, a rural home, is owned and occupied by an individual who bought it in April 2021.

Source: Cumberland County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	519 E COVE RD, MONTEREY, TN 38574-7055
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2021 · Amount on File
Deed Sale	Apr 6, 2021 · Amount on File
Prior Sale	Jan 5, 1999 · Amount on File
Deed Document Number	21005245
Deed Book / Page	1606 / 1447
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 6, 2021
Property Address	519 E COVE RD, MONTEREY, TN 38574-7055
Document Number	0000005245
Book / Page	1606 / 1447
Map Reference	MB 8 PG 257-265
Instrument Date	Mar 30, 2021
Instrument	21005245
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Tax	$98.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 CHEROKEE DR, COOKEVILLE, TN 38506-7430

Mortgage

Document Number	0000005246
Date	Apr 6, 2021
Instrument	21005246

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBER
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 519 E Cove Rd was $1,408 with an additional exemption.

Source: Cumberland County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,408.00 Additional exemption filed	$124,025 Land $44,050 Building $79,975
2023		$124,500 (-) Land $44,525 Building $79,975
2022		$124,500 Land $44,525 Building $79,975	$921,000 (+84.94%) Land $601,100 Building $319,900
2021			$498,000 Land $178,100 Building $319,900
2018	$1,403.00

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

Flood

FEMA maps place 519 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

Wildfire risk around 519 E Cove Rd is moderate, ranking above 53% 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 53% of the US · above 71% 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 21 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