104 Oak St, Decherd, TN 37324 Property Records

Franklin County property record for 104 Oak St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,273 sqft · built 1994
Lot Size	2.28 acres (99,220 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jun 2020)
Tax Bill	$1,824 (2022)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026056I A 00500`

Property Details

APN / Parcel Number

Primary APN	`026056I A 00500`
Alternative APN	`056I A 00500`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,273 sqft Living Area
1st Floor Area	1,294 sqft
Upper Floors Area	1,294 sqft
Attic Area	675 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	99,220 sqft (2.28 acres)
Lot Dimensions	451 ft deep x 220 ft wide
Garage Type	Mixed
Garage Area	675 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	525 sqft
Deck Area	448 sqft
Patio Area	832 sqft
Shed	1 Shed
Shed Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 OAK ST
City	DECHERD
State	TN
Zip	37324-3400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20, COUNTY AREA: D03
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	1
Census Block	1010
Census Tract	960401

Owner

104 Oak St is owned and occupied by an individual who bought it in June 2020.

Source: Franklin County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	104 OAK ST, DECHERD, TN 37324-3400
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 14, 2021	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 1, 2020	Warranty Deed, Transfer · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2020 · Amount on File
Deed Sale	Jun 1, 2020 · Amount on File
Prior Sale	Jan 21, 2020
Deed Document Number	20003343
Deed Book / Page	D0444 / 8
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	104 OAK ST, DECHERD, TN 37324-3400
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 OAK ST, DECHERD, TN 37324-3400

Mortgage

Document Number	0023002319
Date	Apr 19, 2023
Book Page	T1483/612
Instrument	23002319

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Apr 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	104 OAK ST, DECHERD, TN 37324-3400
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021003373
Date	Apr 14, 2021
Book Page	T1382/712
Instrument	21003373

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jun 1, 2020
Property Address	104 OAK ST, DECHERD, TN 37324-3400
Document Number	0020003343
Book / Page	D0444 / 8
Instrument Date	May 29, 2020
Instrument	20003343
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 OAK ST, DECHERD, TN 37324-3400

Mortgage

Document Number	0020003344
Date	Jun 1, 2020
Instrument	20003344

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jan 21, 2020
Property Address	104 OAK ST, DECHERD, TN 37324-3400
Document Number	0000000369
Book / Page	000441 / 000283
Instrument Date	Aug 17, 2019
Instrument	369
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 OAK ST DECHERD TN 373243400, DECHERD, TN 37324-3400

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Franklin County
Municipality	Decherd City
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$70,050 Land $5,025 Building $65,025
2023		$70,050 Land $5,025 Building $65,025
2022	$1,824.00		$280,200 Land $20,100 Building $260,100

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

FEMA maps place 104 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 23, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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

Wildfire risk around 104 Oak St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	DECHERD WATER DEPT serves 4,809 people · EPA ID TN0000187
Water Source	Groundwater influenced by surface water
Last State Inspection	May 2025
Lead	8 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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