1115 Williams St, Decherd, TN 37324 Property Records

Franklin County property record for 1115 Williams St, Decherd, TN 37324

Property Summary

Property Type	Rural Home
Details	3 ba · 1,988 sqft · built 2023
Lot Size	17.6 acres (768,834 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,000 (Jun 2021)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Jun 2023 Construction Loan May 2025 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`026066 03900`

Property Details

APN / Parcel Number

Primary APN	`026066 03900`
Alternative APN	`066 03900`

Interior

Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,988 sqft Living Area
Upper Floors Area	425 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	768,834 sqft (17.6 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	840 sqft
Shed	1 Shed
Shed Area	1,200 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1115 WILLIAMS ST
City	DECHERD
State	TN
Zip	37324-3902
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DIST:20 MAP REF:056
Jurisdiction	FRANKLIN TN
Township / Civil Division	4
Census Block Group	1
Census Block	1018

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRSTBANK
May 2, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS TRI-COUNTY BANK
Apr 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	0000455385
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WILLIAMS ST 5, 5, DECHERD, TN 37324

Mortgage

Document Number	0023003894
Date	Jun 26, 2023
Book Page	T1491/512
Instrument	23003894

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 16, 2024

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902

Mortgage

Document Number	0025002908
Date	May 2, 2025
Book Page	T1567/762
Instrument	25002908

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	2030 DECHERD BLVD, DECHERD, TN 37324

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	131 Months
Due	Apr 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 WILLIAMS ST, DECHERD, TN 37324-3902

Mortgage

Document Number	0025002360
Date	Apr 11, 2025
Book Page	T1564/725
Instrument	25002360

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	15699 RANKIN AVE, DUNLAP, TN 37327

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,521.00 (+1,391.18%) Additional exemption filed	$76,225 (+1,298.62%) Land $9,150 Building $67,075
2023		$5,450 Land $4,525 Building $925
2022	$102.00		$390,600 Land $122,300 Building $268,300

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 April 23, 2018

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

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	Low lower than 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	0.02% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000

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