1282 E Roarks Cove Rd, Decherd, TN 37324 Property Records

Franklin County property record for 1282 E Roarks Cove Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,600 sqft · built 2002
Lot Size	3.33 acres (145,490 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (May 2024)
Tax Bill	$1,420 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026039 01807`

Property Details

APN / Parcel Number

Primary APN	`026039 01807`
Alternative APN	`039 01807`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	145,490 sqft (3.33 acres)
Terrain	Low
Garage Type	Carport
Carport	Carport
Carport Area	721 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	470 sqft
Deck Area	400 sqft
Patio Area	628 sqft
Shed	1 Shed
Shed Area	432 sqft
Utility Building	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1282 E ROARKS COVE RD
City	DECHERD
State	TN
Zip	37324-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09, COUNTY AREA: R02
Legal Subdivision	MILES G SMITH
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1056
Census Tract	960100

Owner

Source: Franklin 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	1282 E ROARKS COVE RD, DECHERD, TN 37324-4806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Apr 9, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	Sep 24, 2021 · Amount on Record
Deed Document Number	24003199
Deed Book / Page	D485 / 750
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Sep 24, 2021
Property Address	1282 E ROARKS COVE RD, DECHERD, TN 37324-4806
Document Number	0021008508
Book / Page	D0459 / 164
Instrument Date	Sep 22, 2021
Instrument	21008508
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	NOT AVAILABLE, SOUTHERN TENNESSEE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,369.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1282 E ROARKS COVE RD, DECHERD, TN 37324-4806

Mortgage

Document Number	0021008509
Date	Sep 24, 2021
Instrument	21008509

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 9, 2021
Property Address	1282 E ROARKS COVE RD, DECHERD, TN 37324-4806
Document Number	0021003185
Book / Page	D0453 / 322
Instrument Date	Apr 8, 2021
Instrument	21003185
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 S JEFFERSON ST # 1069, 1069, WINCHESTER, TN 37398-1739

Mortgage

Document Number	0021003186
Date	Apr 9, 2021
Instrument	21003186

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 8, 2022

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	$1,420.00 (+4.87%)	$71,150 (+0.39%) Land $8,900 Building $62,250
2023		$70,875 Land $8,900 Building $61,975
2022	$1,354.00		$284,600 Land $35,600 Building $249,000

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 · 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	2 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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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