876 Sawmill Rd, Monterey, TN 38574 Property Records

Putnam County property record for 876 Sawmill Rd, Monterey, TN 38574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,058 sqft · built 2013
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2020)
Tax Bill	$2,244 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071105 06800`

Property Details

APN / Parcel Number

Primary APN	`071105 06800`
Alternative APN	`105 06800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	3,058 sqft Living Area
1st Floor Area	1,799 sqft
Basement Area	1,799 sqft
Finished Basement	1,259 sqft
Unfinished Basement	540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
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
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	876 SAWMILL RD
City	MONTEREY
State	TN
Zip	38574-7307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 04, COUNTY AREA: M03
Legal Subdivision	CUMBERLAND COVE
Legal Block	68
Legal Lot Number	13
Jurisdiction	PUTNAM TN
Township / Civil Division	4
Census Block Group	3
Census Block	3021
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	876 SAWMILL RD, MONTEREY, TN 38574-7307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Oct 1, 2003 · Amount on Record
Deed Document Number	243677
Deed Book / Page	1221 / 495
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM TN
Recording Date	Aug 3, 2020
Property Address	876 SAW MILL RD, MONTEREY, TN 38574-7307
Document Number	RB1221495
Book / Page	001221 / 000495
Instrument Date	Jul 30, 2020
Instrument	243677
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$833.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	876 SAW MILL RD MONTEREY TN 385747307, MONTEREY, TN 38574-7307

Mortgage

Document Number	RB1221497
Date	Aug 3, 2020
Book Page	001221/000497
Instrument	243678

Lender

Name	CITIZENS EQUITY FCU
Type	Mortgage Company
Address	PEORIA, IL 61656-1715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

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	$2,244.00 (+17.43%)	$84,350 (-) Land $7,500 Building $76,850
2023		$84,350 Land $7,500 Building $76,850
2022	$1,911.00
2021			$337,400 Land $30,000 Building $307,400

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

5G and 4G LTE (outdoors only)

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