Cumberland County property record for 524 E Cove Rd, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,790 sqft · built 2019 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Individual Name on File |
| Last Sale | $349,000 (Sep 2022) |
| Tax Bill | $868 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018024 03800 |
| Primary APN | 018024 03800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,790 sqft Living Area |
| 1st Floor Area | 1,790 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 52,272 sqft (1.2 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 310 sqft |
| Patio Area | 310 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 524 E COVE RD |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-7051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: K01 |
| Legal Subdivision | CUMB COVE IV |
| Legal Block | 29 |
| Legal Lot Number | 26 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 970302 |
524 E Cove Rd is owned by an individual who bought it in September 2022.
Source: Cumberland County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 519 E COVE RD, MONTEREY, TN 38574-7055 |
| 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.
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 9, 2022 | Warranty Deed, Transfer UNKNOWN, VOLUNTEER T&E SVCS LLC |
| Jan 17, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| May 21, 2019 | Loan Modification, Mortgage · Line of Credit FIRST FARMERS & COM'L BK |
| May 21, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & COM'L BK |
| Feb 1, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on File |
| Deed Sale | Sep 9, 2022 · Amount on File |
| Prior Sale | Jan 17, 2020 · Amount on File |
| Deed Document Number | 0000165544 |
| Deed Book / Page | 1655 / 44 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000010531 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 1616/742 |
| Instrument | 21010531 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000008810 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 1647/358 |
| Instrument | 22008810 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Recording Date | Sep 9, 2022 |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Document Number | 0000014258 |
| Book / Page | 1655 / 44 |
| Map Reference | MB 8 PG 257-265 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 22014258 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Title Company | UNKNOWN, VOLUNTEER T&E SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,291.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 519 E COVE RD, MONTEREY, TN 38574-7055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Recording Date | Jan 17, 2020 |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Document Number | 0000000619 |
| Book / Page | 001567 / 002393 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 619 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $833.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 E COVE RD MONTEREY TN 38574, MONTEREY, TN 38574 |
| Document Number | 620 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 001567/002395 |
| Instrument | 620 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Document Number | 0000012789 |
| Instrument Date | May 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 370 BUCK CREEK RD CROSSVILLE TN 385551551, CROSSVILLE, TN 38555-1551 |
| Document Number | 0000012789 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 001561/001720 |
| Instrument | 12789 |
| Name | FIRST FARMERS & COM'L BK |
|---|---|
| Type | Bank |
| Address | CROSSVILLE, TN 38557 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Document Number | 0000006970 |
| Instrument Date | May 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 370 BUCK CREEK RD CROSSVILLE TN 385551551, CROSSVILLE, TN 38555-1551 |
| Document Number | 0000006970 |
|---|---|
| Date | Jun 13, 2018 |
| Book Page | 001528/000355 |
| Instrument | 6970 |
| Name | FIRST FARMERS & COM'L BK |
|---|---|
| Type | Bank |
| Address | CROSSVILLE, TN 38557 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Recording Date | Feb 1, 2018 |
| Property Address | 524 E COVE RD, MONTEREY, TN 38574-7051 |
| Document Number | 0000001032 |
| Book / Page | 001518 / 002368 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 1032 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $14.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 370 BUCK CREEK RD CROSSVILLE TN 385551551, CROSSVILLE, TN 38555-1551 |
The 2025 property tax bill for 524 E Cove Rd was $868.
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 | $868.00 | $76,475 (-) Land $6,250 Building $70,225 | |
| 2024 | $868.00 | $76,475 (-) Land $6,250 Building $70,225 | |
| 2023 | $76,475 (-) Land $6,250 Building $70,225 | ||
| 2022 | $76,475 Land $6,250 Building $70,225 | $305,900 (-) Land $25,000 Building $280,900 | |
| 2021 | $305,900 Land $25,000 Building $280,900 | ||
| 2018 | $98.00 |
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 524 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 524 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.
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 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 |
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