641 Falls Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 641 Falls Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,546 sqft · built 2023
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Last Sale	$39,900 (Mar 2020)
Tax Bill	$1,312 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`018046 00145`

Property Details

APN / Parcel Number

Primary APN	`018046 00145`
Alternative APN	`046 00145`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,546 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	641 FALLS RD
City	MONTEREY
State	TN
Zip	38574-7069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: K01
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	9
Legal Lot Number	17
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3023
Census Tract	970302

Owner

641 Falls Rd is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	641 FALLS RD, MONTEREY, TN 38574-7069
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

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF LAFAYETTE
Jan 14, 2022	Deed of Trust, Mortgage · Construction Mortgage AMERICAN BANK & TRUST OF THE CUMBERLANDS
Mar 11, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2020 · Amount on File
Deed Sale	Mar 11, 2020 · Amount on File
Prior Sale	Jul 3, 2007 · Amount on File
Deed Document Number	20002751
Deed Book / Page	1571 / 1753
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	641 FALLS RD, MONTEREY, TN 38574-7069
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 FALLS RD, MONTEREY, TN 38574-7069

Mortgage

Document Number	0000012828
Date	Oct 27, 2023
Book Page	1683/1430
Instrument	23012828

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank
Address	LAFAYETTE, TN 37083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	641 FALLS RD, MONTEREY, TN 38574-7069
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 OAK VALLEY DR, MOUNT JULIET, TN 37122-7409

Mortgage

Document Number	0000001064
Date	Jan 14, 2022
Book Page	1633/1882
Instrument	22001064

Lender

Name	AMERICAN BANK & TRUST OF THE CUMBERLANDS
Type	Bank
Address	LIVINGSTON, TN 38570

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 15, 2023

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 11, 2020
Property Address	641 FALLS RD, MONTEREY, TN 38574-7069
Document Number	0000002751
Book / Page	001571 / 001753
Instrument Date	Mar 11, 2020
Instrument	2751
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1302 OAK VALLEY DR MOUNT JULIET TN 371227409, MOUNT JULIET, TN 37122-7409

Tax Assessment & Valuation

The 2025 property tax bill for 641 Falls Rd was $1,312.

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	$1,312.00	$115,625 Land $9,250 Building $106,375
2023		$115,625 (+1,15%) Land $9,250 Building $106,375
2022		$9,250 Land $9,250	$462,500 (+1,15%) Land $37,000 Building $425,500
2021			$37,000 Land $37,000
2018	$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

FEMA maps place 641 Falls 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 641 Falls Rd is moderate, ranking above 48% 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 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 5 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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