78 Emerald Pl, Monterey, TN 38574 Property Records

Cumberland County property record for 78 Emerald Pl, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,180 sqft · built 2004
Owner	2 Trust Names on File
Last Sale	$32,000 (Apr 2001)
Tax Bill	$1,386 (2025)
Deeds & Mortgages	Apr 2026 Transfer Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017P-C-009.00`

Property Details

APN / Parcel Number

Primary APN	`017P-C-009.00`
Alternative APNs	`02017IC017P00900` `018017P C 00900`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,180 sqft Living Area
Gross Area	5,590 sqft
1st Floor Area	1,730 sqft
Upper Floors Area	1,450 sqft
Basement Area	1,650 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2012
Architectural Style	L-Shape
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Dimensions	207 ft deep x 140 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	136 sqft
Deck Area	650 sqft
Patio Area	1,242 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	78 EMERALD PL
City	MONTEREY
State	TN
Zip	38574-7188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND COVE PB 9 PG 226 BLK 234 LOT 9 UNIT 201 139.9 X 206.6 IRR
Legal Subdivision	CUMBERLAND COVE
Legal Block	234
Legal Lot Number	9
Jurisdiction	CUMBERLAND TN
Township / Civil Division	7
Census Block Group	1
Census Block	1014
Census Tract	970301

Owner

78 Emerald Pl is held in a trust since April 2026.

Source: Cumberland County records, as of July 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	34 EMERALD PL, MONTEREY, TN 38574-7188
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage UPPER CUMBERLAND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2001 · Amount on File
Deed Sale	Apr 12, 2001 · Amount on File
Prior Sale	Nov 19, 1996 · Amount on File
Deed Book / Page	1073 / 14
Last Transfer Date	Apr 20, 2026
Transfer Doc	0000005309
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND TN
Recording Date	Apr 20, 2026
Property Address	78 EMERALD PL, MONTEREY, TN 38574-7188
Document Number	0000005309
Book / Page	1746 / 2542
Instrument Date	Apr 20, 2026
Instrument	20265309
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	34 EMERALD PL, MONTEREY, TN 38574-7188

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND TN
Property Address	78 EMERALD PL, MONTEREY, TN 38574-7188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST CROSSVILLE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007606
Date	Jun 28, 2019
Book Page	1552/1767
Instrument	19007606

Lender

Name	UPPER CUMBERLAND FCU
Type	Credit Union
Address	CROSSVILLE, TN 38557

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 28, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 78 Emerald Pl was $1,386.

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	$1,386.00	$122,150 Land $15,000 Building $107,150	$488,600 Land $60,000 Building $428,600
2024	$1,386.00
2023		$122,150 (-) Land $15,000 Building $107,150
2022	$1,386.00	$122,150 Land $15,000 Building $107,150	$488,600 (-) Land $60,000 Building $428,600
2021			$488,600 Land $60,000 Building $428,600
2018	$1,272.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 78 Emerald Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2007

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 78 Emerald Pl is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 61% of Tennessee
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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