Cumberland County property record for 715 White Oak Rd, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,064 sqft · built 1985 |
| Lot Size | 6.19 acres (270,072 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Dec 2025) |
| Tax Bill | $535 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018046 00137 |
| Primary APN | 018046 00137 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 336 sqft |
| Finished Basement | 336 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 270,072 sqft (6.19 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 336 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 225 sqft |
| Patio Area | 336 sqft |
| Shed | 1 Shed |
| Shed Area | 280 sqft |
| Utility Building | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 715 WHITE OAK RD |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-7079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: K01 |
| Legal Subdivision | CUMBERLAND COVE UNIT 1 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 970302 |
715 White Oak Rd is owned by an individual who bought it in December 2025.
Source: Cumberland County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 449 SW ASHBY LN, PALM CITY, FL 34990-1760 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on File |
| Deed Sale | Dec 11, 2025 · Amount on File |
| Prior Sale | Apr 13, 2010 · Amount on File |
| Deed Document Number | 25044363 |
| Deed Book / Page | 1737 / 2585 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Recording Date | Dec 11, 2025 |
| Property Address | 715 WHITE OAK RD, MONTEREY, TN 38574-7079 |
| Document Number | 0000044363 |
| Book / Page | 1737 / 2585 |
| Map Reference | MB 8 PG 167-181 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 25044363 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 449 SW ASHBY LN, PALM CITY, FL 34990-1760 |
| Document Number | 0000044364 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 25044364 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
The 2025 property tax bill for 715 White Oak Rd was $535.
Source: Cumberland County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Cumberland County |
| Unified School District | Cumberland County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $535.00 | $47,175 (-) Land $9,250 Building $37,925 | |
| 2024 | $535.00 | $47,175 (-) Land $9,250 Building $37,925 | |
| 2023 | $47,175 (-) Land $9,250 Building $37,925 | ||
| 2022 | $47,175 Land $9,250 Building $37,925 | $188,700 (-) Land $37,000 Building $151,700 | |
| 2021 | $188,700 Land $37,000 Building $151,700 | ||
| 2018 | $518.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 715 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 risk around 715 White Oak 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.
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 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures