896 Cunningham Rd, Readyville, TN 37149 Property Records

Cannon County property record for 896 Cunningham Rd, Readyville, TN 37149

Property Summary

Property Type	Rural Home
Details	4 ba · 5,334 sqft · built 2021
Lot Size	55.5 acres (2,417,580 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Nov 2018)
Tax Bill	$6,316 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Aug 2026 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`056 03000 000`

Property Details

APN / Parcel Number

Primary APN	`056 03000 000`
Alternative APNs	`008056 04800` `056 04800`

Interior

Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	5,334 sqft Living Area
1st Floor Area	962 sqft

Exterior

Year Built	Built 2021
Exterior Material	Siding
Lot Area	2,417,580 sqft (55.5 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Enclosed Porch
Porch Area	222 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	056 03000 000
Street Address	896 CUNNINGHAM RD
City	READYVILLE
State	TN
Zip	37149-5510
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 12
Jurisdiction	CANNON TN
Township / Civil Division	1
Census Block Group	3
Census Block	3018
Census Tract	960202

Owner

Source: Cannon County records, as of January 26, 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	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK/MIDDLE TN
Aug 21, 2026	Deed of Trust, Mortgage · Construction Mortgage STUDIO BK
Sep 4, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST NB OF MIDDLE TENNESSEE
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEGACY HOME LOANS LLC
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NB OF MIDDLE TENNESSEE
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit F & M BANK
Nov 20, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF MIDDLE TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	Jul 1, 2005 · Amount on Record
Deed Document Number	0000189826
Deed Book / Page	189 / 826
Last Transfer Date	Nov 20, 2018
Transfer Doc	0000056970
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Recording Date	Aug 25, 2026
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Document Number	0000083051
Book / Page	286 / 240
Instrument Date	Aug 25, 2026
Instrument	202683051
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510

Mortgage

Document Number	0000083051,
Date	Aug 25, 2026
Book Page	286/240
Instrument	202683051

Lender

Name	FIRST NATIONAL BANK/MIDDLE TN

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Due	Aug 25, 2026

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Recording Date	Aug 21, 2026
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Document Number	0000083021
Book / Page	286 / 128
Instrument Date	Aug 20, 2026
Instrument	202683021
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510

Mortgage

Document Number	0000083021,
Date	Aug 21, 2026
Book Page	286/128
Instrument	202683021

Lender

Name	STUDIO BK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2036

Interest

Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Transaction Type	Mortgage
Record Updated	Mar 10, 2022
Title Company	ADVANTAGE T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062590
Date	Sep 4, 2020
Book Page	209/667
Instrument	62590

Lender

Name	FIRST NB OF MIDDLE TENNESSEE
Type	Bank
Address	MURFREESBORO, TN 37129

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066018
Date	Aug 6, 2021
Book Page	222/617
Instrument	66018

Lender

Name	LEGACY HOME LOANS LLC
Type	Mortgage Company
Address	NASHVILLE, TN 37215

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	898 CUNNINGHAM RD, READYVILLE, TN 37149-5510

Mortgage

Document Number	0000066029
Date	Aug 9, 2021
Book Page	222/674
Instrument	66029

Lender

Name	FIRST NB OF MIDDLE TENNESSEE
Type	Bank
Address	MURFREESBORO, TN 37129

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 26, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CANNON TN
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510

Mortgage

Document Number	0000066351
Date	Sep 3, 2021
Book Page	223/733
Instrument	66351

Lender

Name	F & M BANK
Type	Bank
Address	HENDERSONVILLE, TN 37075

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CANNON TN
Recording Date	Nov 20, 2018
Property Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510
Document Number	0000056970
Book / Page	189 / 826
Instrument Date	Nov 19, 2018
Instrument	56970
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CUNNINGHAM RD, READYVILLE, TN 37149-5510

Mortgage

Document Number	0000056971
Date	Nov 20, 2018
Book Page	0000000189/0000000828
Instrument	56971

Lender

Name	FIRST NATIONAL BANK OF MIDDLE TENNESSEE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,316.00 (+32.24%)	$388,425 (+14.94%) Land $77,275 Building $311,150
2023		$337,925 Land $77,275 Building $260,650	$1,553,700 Land $309,100 Building $1,244,600
2022	$4,776.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · 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	8 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jul 2013 · river or lake flooding

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
DeKalb Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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