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678 High Rock Loop, Monterey, TN 38574 Property Records

Cumberland County property record for 678 High Rock Loop, Monterey, TN 38574

Property Summary

Property TypeRural Home
Details2 bd · 2 ba · 2,128 sqft · built 2024
Lot Size61.7 acres (2,688,959 sqft)
OwnerIndividual Name on Record
Last Sale$180,000 (Aug 2021)
Tax Bill$1,266 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN018046 08102

Property Details

APN / Parcel Number

Primary APN018046 08102
Alternative APN
  • 046 08102

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories2 Stories
Building Area2,128 sqft Living Area
Basement Area1,444 sqft
Finished Basement1,444 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2024
Exterior MaterialStucco
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,688,959 sqft (61.7 acres)
TerrainRolling

Exterior Amenities

PorchOpen Porch
Patio Area1,140 sqft
Shed1 Shed
Shed Area1,800 sqft
Utility Building160 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address678 HIGH ROCK LOOP
CityMONTEREY
StateTN
Zip38574-6940
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionDISTRICT: 02, COUNTY AREA: R01
JurisdictionCUMBERLAND TN
Township / Civil Division7
Census Block Group3
Census Block3024
Census Tract970302

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address678 HIGH ROCK LOOP, MONTEREY, TN 38574-6940
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 25, 2021 · Amount on Record
Deed SaleAug 25, 2021 · Amount on Record
Prior SaleJan 23, 1997 · Amount on Record
Deed Document Number21012655
Deed Book / Page1620 / 714
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCUMBERLAND TN
Recording DateAug 25, 2021
Property Address678 HIGH ROCK LOOP, MONTEREY, TN 38574-6940
Document Number0000012655
Book / Page1620 / 714
Instrument DateAug 24, 2021
Instrument21012655
Transaction TypeTransfer
Record UpdatedSep 29, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$666.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address381 PLATEAU FIRETOWER RD, CROSSVILLE, TN 38571-2048

Mortgage

Document Number0000012656
DateAug 25, 2021
Instrument21012656
Lender
NameFARM CREDIT MID AMERICA FLCA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term301 Months
DueSep 1, 2046

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of May 20, 2025

Property Jurisdictions

TypeName
StateTennessee
CountyCumberland County
Unified School DistrictCumberland County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,266.00 (+164.85%) Additional exemption filed$111,550 (+959.86%) Land $11,300 Building $100,250
2023$10,525 (-75%) Land $10,525
2022$478.00 (+13.54%)$42,100 Land $42,100$569,600 (+238.24%) Land $168,600 Building $401,000
2021$168,400 Land $168,400
2018$421.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskModerate
above 48% of the US · above 65% of Tennessee
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemMONTEREY WATER DEPT
serves 4,880 people · EPA ID TN0000471
Water SourceSurface water
Last State InspectionNov 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 18 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Fiber		1,000 / 1,000

May also be available: Twin Lakes.

Cell Coverage

5G (outdoors only) and 4G LTE

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