551 E Spring St, Cookeville, TN 38501 Property Records

Putnam County property record for 551 E Spring St, Cookeville, TN 38501

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 1,784 sqft · built 2009
Owner	Individual Name on Record
Last Sale	$400,000 (Jul 2026)
Tax Bill	$2,256 (2022)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053F K 00500 001`

Property Details

APN / Parcel Number

Primary APN	`053F K 00500 001`
Alternative APN	`071053F K 00500 001`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,784 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Frame
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Terrain	Rolling
Canopy	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	551 E SPRING ST
City	COOKEVILLE
State	TN
Zip	38501-3594
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Subdivision	CUMBERLANDS OF COOKEVILLE
Legal Lot Number	1
Jurisdiction	PUTNAM TN
Township / Civil Division	1
Census Block Group	1
Census Block	1001
Census Tract	600

Owner

Source: Putnam County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	551 E SPRING ST, COOKEVILLE, TN 38501-3594
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	May 26, 2022 · Amount on Record
Deed Document Number	2026326910
Deed Book / Page	1713 / 430
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Jul 9, 2026
Property Address	551 E SPRING ST, COOKEVILLE, TN 38501-3594
Document Number	0000326910
Book / Page	1713 / 430
Instrument Date	Jul 3, 2026
Instrument	2026326910
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	POINTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149,480.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E SPRING ST, COOKEVILLE, TN 38501-3594

Mortgage

Document Number	0000326911,
Date	Jul 9, 2026
Instrument	2026326911

Lender

Name	BANK OF TENNESSEE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Municipality	Cookeville City
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$68,520 (-) Land $8,000 Building $60,520
2023		$68,520 Land $8,000 Building $60,520
2022	$2,256.00
2021			$171,300 Land $20,000 Building $151,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% 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	COOKEVILLE WATER DEPT serves 49,711 people · EPA ID TN0000133
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017
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 315 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