625 Falls Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 625 Falls Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,449 sqft · built 2008
Lot Size	7.2 acres (313,632 sqft)
Owner	2 Company Names on Record
Last Sale	$335,000 (Nov 2019)
Tax Bill	$1,448 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-001.49`

Property Details

APN / Parcel Number

Primary APN	`046-001.49`
Alternative APNs	`0204604600149` `018046 00149`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,449 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	2,065 sqft
Upper Floors Area	384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	313,632 sqft (7.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	635 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	241 sqft
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	625 FALLS RD
City	MONTEREY
State	TN
Zip	38574-7069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND COVE UNIT 1 PB 8 PG 180 BLK 9 LOT 13 THE PHIFER FAMILY REVOCABLE LIVING TRUST 2024
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	9
Legal Lot Number	13
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3023
Census Tract	970302

Owner

Source: Cumberland County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	625 FALLS VIEW RD, MONTEREY, TN 38574
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF PUTNAM COUNTY
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTY MORTGAGE SERVICES LLC
Aug 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Jan 4, 2001 · Amount on Record
Deed Document Number	201914144
Deed Book / Page	1564 / 214
Last Transfer Date	Oct 24, 2024
Transfer Doc	0000027964
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	625 FALLS RD, MONTEREY, TN 38574-7069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000959
Date	Jan 29, 2019
Book Page	1542/1937
Instrument	19000959

Lender

Name	BANK OF PUTNAM COUNTY
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Nov 22, 2019
Property Address	625 FALLS RD, MONTEREY, TN 38574-7069
Document Number	0000014144
Book / Page	1564 / 0214
Map Reference	MB 8 PG 167-181
Instrument Date	Nov 20, 2019
Instrument	19014144
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 FALLSVIEW ROAD, MONTEREY, TN 38574

Mortgage

Document Number	0000014145
Date	Nov 22, 2019
Instrument	19014145

Lender

Name	GUARANTY MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Aug 13, 2018
Property Address	625 FALLS RD, MONTEREY, TN 38574-7069
Document Number	0000009657
Book / Page	001532 / 001340
Instrument Date	Aug 9, 2018
Instrument	9657
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 FALLS RD MONTEREY TN 385747069, MONTEREY, TN 38574-7069

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 8, 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	$1,448.00	$127,600 (-) Land $9,500 Building $118,100	$510,400 (-) Land $38,000 Building $472,400
2024	$1,448.00 (+25.48%)
2023		$127,600 (+25.47%) Land $9,500 Building $118,100
2022	$1,154.00 (+0.79%)	$101,700 Land $9,500 Building $92,200	$510,400 (+25.47%) Land $38,000 Building $472,400
2021			$406,800 Land $38,000 Building $368,800
2018	$1,145.00

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.

Flood

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

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

Wildfire Risk	Moderate above 48% of the US · above 65% 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 11 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

Cell Coverage

5G (outdoors only) and 4G LTE

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