Rutherford County property record for 5951 Cottingham Dr, Murfreesboro, TN 37128
| Property Type | Single Family Home |
|---|---|
| Details | 2,928 sqft · built 2013 |
| Lot Size | 0.096 acres (4,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Jun 2021) |
| Tax Bill | $3,252 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 093B-D-044.00-000 |
| Primary APN | 093B-D-044.00-000 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 11 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 2,928 sqft Living Area |
| 1st Floor Area | 4,696 sqft |
| Upper Floors Area | 1,180 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Gravel |
| Lot Area | 4,200 sqft (0.096 acres) |
| Lot Dimensions | 105 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 534 sqft |
| Driveway | Driveway |
| Porch | Slab |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R0058205 |
|---|---|
| Street Address | 5951 COTTINGHAM DR |
| City | MURFREESBORO |
| State | TN |
| Zip | 37128-2731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 WINSLOW PARK AT BERKSHIRE PH 1 PB 26 PGS 164-165 40 X 105 |
| Legal Subdivision | WINSLOW PARK AT BERKSHIRE PH 1 |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | RUTHERFORD TN |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 40808 |
Source: Rutherford County records · APN 093B-D-044.00-000
Assessment roll updated August 11, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5951 COTTINGHAM DR, MURFREESBORO, TN 37128-2731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage A MORTGAGE BOUTIQUE LLC |
| Jun 10, 2021 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2021 · Amount on Record |
| Deed Sale | Jun 10, 2021 · Amount on Record |
| Prior Sale | Jul 16, 2013 · Amount on Record |
| Deed Document Number | 20212367985 |
| Deed Book / Page | 2093 / 3508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Property Address | 5951 COTTINGHAM DR, MURFREESBORO, TN 37128-2731 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0024273120 |
|---|---|
| Date | Apr 12, 2024 |
| Book Page | 2427/3120 |
| Instrument | 2540191 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 03, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Property Address | 5951 COTTINGHAM DR, MURFREESBORO, TN 37128-2731 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20512921 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 2051/2921 |
| Instrument | 2346928 |
| Name | A MORTGAGE BOUTIQUE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RUTHERFORD TN |
| Recording Date | Jun 10, 2021 |
| Property Address | 5951 COTTINGHAM DR, MURFREESBORO, TN 37128-2731 |
| Document Number | 20933508 |
| Book / Page | 2093 / 3508 |
| Map Reference | MB 26 PG 164&165 |
| Instrument Date | May 28, 2021 |
| Instrument | 2367985 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Title Company | HYWATER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 5951 COTTINGHAM DR, MURFREESBORO, TN 37128-2731 |
| Document Number | 20933510 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2093-3510 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
Source: Rutherford County records · Assessment roll updated August 11, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Rutherford County |
| Municipality | Murfreesboro City |
| Elementary School District | Murfreesboro City School District (PK - 06) |
| Secondary School District | Rutherford County School District in Murfreesboro (07 - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,425 (+17.81%) Land $27,500 Building $107,925 | $541,700 (+17.81%) Land $110,000 Building $431,700 | |
| 2025 | $3,252.00 | $114,950 (-) Land $13,750 Building $101,200 | |
| 2023 | $3,252.00 | $114,950 Land $13,750 Building $101,200 | $459,800 (-) Land $55,000 Building $404,800 |
| 2022 | $459,800 Land $55,000 Building $404,800 |
Source: FEMA National Flood Hazard Layer as of January 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 4 (2010–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Feb 2020 · other causes |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 206 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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