711 White Oak Rd, Monterey, TN 38574 Property Records

Cumberland County property record for 711 White Oak Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,124 sqft · built 2000
Lot Size	8.7 acres (378,972 sqft)
Owner	2 Trust Names on File
Last Sale	$560,000 (Aug 2020)
Tax Bill	$1,562 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-001.38`

Property Details

APN / Parcel Number

Primary APN	`046-001.38`
Alternative APNs	`0204604600138` `018046 00138`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,124 sqft Living Area
Gross Area	5,034 sqft
1st Floor Area	3,124 sqft
Basement Area	900 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2012
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	378,972 sqft (8.7 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	830 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Finished Screened Porch
Porch Area	442 sqft
Deck Area	440 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	711 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 7
Legal Subdivision	CUMBERLAND COVE UNIT 1
Legal Block	6
Legal Lot Number	7
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	3
Census Block	3023
Census Tract	970302

Owner

711 White Oak Rd is owner-occupied and held in a trust since October 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	711 WHITE OAK RD, MONTEREY, TN 38574-7078
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Prior Sale	Nov 26, 2007 · Amount on File
Deed Document Number	202010551
Deed Book / Page	1585 / 2315
Last Transfer Date	Oct 5, 2020
Transfer Doc	0000012370
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Aug 31, 2020
Property Address	711 WHITE OAK RD, MONTEREY, TN 38574-7078
Document Number	0000010551
Book / Page	1585 / 2315
Map Reference	MB 8 PG 167
Instrument Date	Aug 27, 2020
Instrument	20010551
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	UPPER CUMBERLAND T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 WHITE OAK RD, MONTEREY, TN 38574-7078

Mortgage

Document Number	0000010552
Date	Aug 31, 2020
Instrument	20010552

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 711 White Oak Rd was $1,562.

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	$1,562.00	$137,625 Land $10,000 Building $127,625	$550,500 Land $40,000 Building $510,500
2024	$1,562.00
2023		$137,625 (-) Land $10,000 Building $127,625
2022	$1,562.00	$137,625 Land $10,000 Building $127,625	$550,500 (-) Land $40,000 Building $510,500
2021			$550,500 Land $40,000 Building $510,500
2018	$1,428.00

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 711 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 711 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 69% 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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