Cumberland County property record for 720 White Oak Rd, Monterey, TN 38574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,461 sqft · built 2015 |
| Lot Size | 5.3 acres (230,868 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Dec 2004) |
| Tax Bill | $1,514 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018046 00136 |
| Primary APN | 018046 00136 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,461 sqft Living Area |
| 1st Floor Area | 2,461 sqft |
| Basement Area | 2,240 sqft |
| Finished Basement | 2,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 230,868 sqft (5.3 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 884 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 1,343 sqft |
| Patio Area | 768 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 720 WHITE OAK RD |
|---|---|
| City | MONTEREY |
| State | TN |
| Zip | 38574-7077 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: K01 |
| Legal Subdivision | CUMBERLAND COVE UNIT 1 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | CUMBERLAND TN |
| Township / Civil Division | 7 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 970302 |
720 White Oak Rd is owned and occupied by two individuals who bought it in December 2004.
Source: Cumberland County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 720 WHITE OAK RD, MONTEREY, TN 38574-7077 |
| Occupancy | Owner Occupied |
| 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 29, 2004 · Amount on File |
| Deed Sale | Dec 29, 2004 · Amount on File |
| Prior Sale | Dec 20, 2004 · Amount on File |
| Deed Document Number | 0011862129 |
| Deed Book / Page | 1186 / 2129 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND TN |
| Property Address | 720 WHITE OAK RD, MONTEREY, TN 38574-7077 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002472 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 1571/643 |
| Instrument | 20002472 |
| Name | HIGHLAND FSLA |
|---|---|
| Type | Lending Institution |
| Address | CROSSVILLE, TN 38555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 720 White Oak Rd was $1,514.
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 | $1,514.00 | $133,375 Land $8,750 Building $124,625 | |
| 2023 | $133,375 (+2.93%) Land $8,750 Building $124,625 | ||
| 2022 | $129,575 Land $8,750 Building $120,825 | $533,500 (+2.93%) Land $35,000 Building $498,500 | |
| 2021 | $518,300 Land $35,000 Building $483,300 | ||
| 2018 | $1,538.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 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 720 White Oak Rd is moderate, ranking above 52% 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 52% 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.
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
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