704 White Oak Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 704 White Oak Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	5.43 acres (236,531 sqft)
Owner	2 Trust Names on File
Last Sale	$550,000 (Oct 2023)
Tax Bill	$1,289 (2025)
Deeds & Mortgages	Oct 2023 Sale Jul 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`046-001.26`

Property Details

APN / Parcel Number

Primary APN	`046-001.26`
Alternative APNs	`0204604600126` `018046 00126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,846 sqft Living Area
1st Floor Area	1,246 sqft
Upper Floors Area	600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	236,531 sqft (5.43 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	796 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 WHITE OAK RD
City	MONTEREY
State	TN
Zip	38574-7076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND COVE UNIT 1 PB 8 PG 175 BLK 5 LOT 10 DREHER 2009 FAMILY TRUST
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	5
Legal Lot Number	10
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3019
Census Tract	970302

Owner

704 White Oak Rd is held in a trust since October 2023.

Source: Cumberland County records, as of May 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	324 ARTHUR AVE, APTOS, CA 95003-5202
Owner Type	Company
Vesting	Trust, Family Trust

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 23, 2023	Warranty Deed, Transfer CAPSTONE TITLE LLC, CAPSTONE T&E LLC
Jul 29, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 19, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/TN
Apr 3, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/TN
Feb 27, 2018	Warranty Deed, Transfer JD LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	202312620
Deed Book / Page	1683 / 381
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Oct 23, 2023
Property Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076
Document Number	0000012620
Book / Page	1683 / 381
Map Reference	MB 1520 PG 1660
Instrument Date	Oct 20, 2023
Instrument	23012620
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	CAPSTONE TITLE LLC, CAPSTONE T&E LLC

Transaction

Amount	Amount on Record
Tax	$2,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Jul 29, 2019
Property Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076
Document Number	0000008872
Book / Page	1554 / 2034
Map Reference	MB 8 PG 175
Instrument Date	Jul 26, 2019
Instrument	19008872
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,424.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076

Mortgage

Document Number	0000008873
Date	Jul 29, 2019
Instrument	19008873

Lender

Name	WELLS FARGO BANK NA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Mar 19, 2019
Property Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076
Book / Page	001546 / 000266
Instrument Date	Mar 18, 2019
Instrument	3358
Transaction Type	Construction Loan
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CARSON RD CROSSVILLE TN 385710614, CROSSVILLE, TN 38571-0614

Mortgage

Document Number	0000003358
Date	Mar 19, 2019
Book Page	001546/000266
Instrument	3358

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 18, 2020

Interest

Rate Type	Adjustable Rate

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 3, 2018
Property Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076
Book / Page	001522 / 002004
Instrument Date	Mar 30, 2018
Instrument	3547
Transaction Type	Construction Loan
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CARSON RD CROSSVILLE TN 385710614, CROSSVILLE, TN 38571-0614

Mortgage

Document Number	0000003547
Date	Apr 3, 2018
Book Page	001522/002004
Instrument	3547

Lender

Name	FIRST NAT'L BK/TN
Type	Bank
Address	CROSSVILLE, TN 38555

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 2, 2019

Interest

Rate Type	Adjustable Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Feb 27, 2018
Property Address	704 WHITE OAK RD, MONTEREY, TN 38574-7076
Document Number	0000002145
Book / Page	001520 / 001660
Instrument Date	Feb 27, 2018
Instrument	2145
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	JD LAND TITLE INC

Transaction

Amount	Amount on Record
Tax	$92.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 CARSON RD CROSSVILLE TN 385710614, CROSSVILLE, TN 38571-0614

Tax Assessment & Valuation

The 2025 property tax bill for 704 White Oak Rd was $1,289.

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	$1,289.00	$113,550 Land $8,750 Building $104,800	$454,200 Land $35,000 Building $419,200
2024	$1,289.00
2023		$113,550 (+14.73%) Land $8,750 Building $104,800
2022	$1,123.00	$98,975 Land $8,750 Building $90,225	$454,200 (+14.73%) Land $35,000 Building $419,200
2021			$395,900 Land $35,000 Building $360,900
2018	$137.00

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 704 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 704 White Oak Rd is moderate, ranking above 53% 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 53% of the US · above 70% 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.

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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