109 E Market St, Decherd, TN 37324 Property Records

Franklin County property record for 109 E Market St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,180 sqft · built 1956
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Jun 2025)
Tax Bill	$648 (2022)
Deeds & Mortgages	Jun 2025 Sale & Second Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`026056J D 01900`

Property Details

APN / Parcel Number

Primary APN	`026056J D 01900`
Alternative APN	`056J D 01900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,180 sqft Living Area
1st Floor Area	984 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1986
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	165 ft deep x 60 ft wide
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	163 sqft
Deck Area	98 sqft
Patio Area	98 sqft
Shed	1 Shed
Shed Area	1 sqft
Utility Building	2 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 E MARKET ST
City	DECHERD
State	TN
Zip	37324-3145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20, COUNTY AREA: D04
Legal Subdivision	W W COLLINS ADD
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	3
Census Block	3079
Census Tract	960100

Owner

109 E Market St is owned by an individual who bought it in June 2025.

Source: Franklin County records, as of January 29, 2026

Owner of Record	Individual Name on File
Mailing Address	89 W LINCOLN RD, FAYETTEVILLE, TN 37334-6040
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
Jun 12, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage CMG MORTGAGE INC
May 4, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2025 · Amount on File
Deed Sale	Jun 12, 2025 · Amount on File
Prior Sale	Mar 28, 2011 · Amount on File
Deed Document Number	25003909
Deed Book / Page	D496 / 111
Record Updated	Jun 8, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jun 12, 2025
Property Address	109 E MARKET ST, DECHERD, TN 37324-3145
Document Number	0025003909
Book / Page	D496 / 111
Instrument Date	Jun 6, 2025
Instrument	25003909
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	SOUTHERN TENNESSEE T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$736.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 W LINCOLN RD, FAYETTEVILLE, TN 37334-6040

Mortgage

Document Number	0025003911
Date	Jun 12, 2025
Instrument	25003911

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Mortgage

Document Number	0025003910
Date	Jun 12, 2025
Book Page	T1572/749
Instrument	25003910

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	3160 CROW CANYON RD STE 400, SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 4, 2020
Property Address	109 E MARKET ST, DECHERD, TN 37324-3145
Document Number	0000002683
Book / Page	000443 / 000338
Instrument Date	Apr 28, 2020
Instrument	2683
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$19.00
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	109 E MARKET ST DECHERD TN 373243145, DECHERD, TN 37324-3145

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		$24,900 Land $1,625 Building $23,275
2023		$24,900 Land $1,625 Building $23,275
2022	$648.00		$99,600 Land $6,500 Building $93,100

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 109 E Market St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1997)
Most Recent Claim	Feb 1997 · rainfall accumulation

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 109 E Market St is low, with less than 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 0.01% 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	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 268 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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