701 White Oak Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 701 White Oak Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,519 sqft · built 2008
Lot Size	9.7 acres (422,532 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Dec 2019)
Tax Bill	$1,170 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-001.40`

Property Details

APN / Parcel Number

Primary APN	`046-001.40`
Alternative APNs	`0204604600140` `018046 00140`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	2,519 sqft Living Area
Gross Area	3,119 sqft
1st Floor Area	2,309 sqft
Basement Area	210 sqft
Finished Basement	210 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	422,532 sqft (9.7 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	449 sqft
Deck Area	228 sqft
Patio Area	372 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	701 WHITE OAK RD
City	MONTEREY
State	TN
Zip	38574-7078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND COVE UNIT 1 PB 8 PG 176 BLK 6 LOT 5
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	6
Legal Lot Number	5
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3023
Census Tract	970302

Owner

701 White Oak Rd is owned and occupied by an individual who acquired it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 18, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST CO
Jul 27, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 16, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on File
Deed Sale	Dec 16, 2019 · Amount on File
Prior Sale	Nov 22, 2005 · Amount on File
Deed Document Number	201915206
Deed Book / Page	1565 / 2187
Last Transfer Date	Jul 10, 2023
Transfer Doc	0000009206
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078

Mortgage

Document Number	0000014731
Date	Dec 18, 2023
Book Page	1686/2174
Instrument	23014731

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank
Address	COOKEVILLE, TN 38501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND TN
Recording Date	Jul 27, 2023
Property Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078
Document Number	0000009206
Book / Page	1677 / 132
Map Reference	MB 8 PG 167
Instrument Date	Jul 10, 2023
Instrument	23009206
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Dec 16, 2019
Property Address	701 WHITE OAK RD, MONTEREY, TN 38574-7078
Document Number	0000015206
Book / Page	001565 / 002187
Instrument Date	Dec 11, 2019
Instrument	15206
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,461.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 WHITE OAK RD MONTEREY TN 385747078, MONTEREY, TN 38574-7078

Mortgage

Document Number	15207
Date	Dec 16, 2019
Book Page	001565/002189
Instrument	15207

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	MINNEAPOLIS, MN 55401

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 701 White Oak Rd was $1,170.

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	$1,170.00	$103,075 Land $11,250 Building $91,825	$412,300 Land $45,000 Building $367,300
2024	$1,170.00
2023		$103,075 (-) Land $11,250 Building $91,825
2022	$1,170.00	$103,075 Land $11,250 Building $91,825	$412,300 (-) Land $45,000 Building $367,300
2021			$412,300 Land $45,000 Building $367,300
2018	$1,165.00

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 701 White Oak 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 701 White Oak Rd is moderate, ranking above 51% 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 51% of the US · above 68% 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 17 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

4G LTE (outdoors only), no 5G reported

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