853 Sawmill Rd, Monterey, TN 38574 Property Records

Putnam County property record for 853 Sawmill Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,067 sqft · built 2008
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (May 2021)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`071105 05800`

Property Details

APN / Parcel Number

Primary APN	`071105 05800`
Alternative APN	`105 05800`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,067 sqft Living Area
1st Floor Area	1,255 sqft
Upper Floors Area	812 sqft
Basement Area	1,255 sqft
Finished Basement	1,255 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2011
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	397 sqft
Deck Area	200 sqft
Patio Area	278 sqft
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	853 SAWMILL RD
City	MONTEREY
State	TN
Zip	38574-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	66
Legal Lot Number	23
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3031
Census Tract	100

Owner

Source: Putnam County records, as of January 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	853 SAWMILL RD, MONTEREY, TN 38574-7303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage WILSON BANK & TRUST
Aug 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on Record
Deed Sale	May 26, 2021 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	257612
Deed Book / Page	1307 / 12
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	May 26, 2021
Property Address	853 SAW MILL RD, MONTEREY, TN 38574-7303
Document Number	0000130712
Book / Page	1307 / 12
Map Reference	CAB A SL 163-169
Instrument Date	May 21, 2021
Instrument	257612
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,572.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	853 SAW MILL RD, MONTEREY, TN 38574-7303

Mortgage

Document Number	0000257613
Date	May 26, 2021
Instrument	257613

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Aug 6, 2019
Property Address	853 SAW MILL RD, MONTEREY, TN 38574-7303
Document Number	RB113752
Book / Page	001137 / 000052
Instrument Date	Aug 2, 2019
Instrument	229216
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,176.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	853 SAW MILL RD MONTEREY TN 385747308, MONTEREY, TN 38574-7308

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Putnam County
Unified School District	Putnam County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,086.00 (+7.58%)	$78,425 (-) Land $7,500 Building $70,925
2023		$78,425 Land $7,500 Building $70,925
2022	$1,939.00
2021			$313,700 Land $30,000 Building $283,700

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

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTEREY WATER DEPT serves 4,880 people · EPA ID TN0000471
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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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