15 Windy Cv, Oakland, TN 38060 Property Records

Fayette County property record for 15 Windy Cv, Oakland, TN 38060

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,734 sqft · built 2007
Lot Size	0.468 acres (20,411 sqft)
Owner	Individual Name on File
Last Sale	$334,900 (Jul 2022)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024087P G 02100`

Property Details

APN / Parcel Number

Primary APN	`024087P G 02100`
Alternative APN	`087P G 02100`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,411 sqft
Terrain	Rolling
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	204 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 WINDY CV
City	OAKLAND
State	TN
Zip	38060-5332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHWIND SUBD 21 SECTION A
Legal Subdivision	SOUTHWIND SUBD
Legal Lot Number	21
Jurisdiction	FAYETTE TN
Township / Civil Division	4
Census Block Group	3
Census Block	3005
Census Tract	60404

Owner

15 Windy Cv is owned and occupied by an individual who bought it in July 2022.

Source: Fayette County records, as of January 19, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15 WINDY CV, OAKLAND, TN 38060-5332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PARAGON BANK
Jun 7, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICAN FORK
Dec 19, 2017	Warranty Deed, Construction Loan · Construction Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Jun 7, 2018 · Amount on File
Deed Document Number	22006006
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Jul 29, 2022
Property Address	15 WINDY CV, OAKLAND, TN 38060-5332
Document Number	0000006006
Map Reference	MB 8 PG 163
Instrument Date	Jul 27, 2022
Instrument	22006006
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	NOT AVAILABLE, MEMPHIS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006007
Date	Jul 29, 2022
Instrument	22006007

Lender

Name	PARAGON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Aug 1, 2027
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	9.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Jun 7, 2018
Property Address	15 WINDY CV, OAKLAND, TN 38060-5332
Document Number	0000003342
Instrument Date	May 24, 2018
Instrument	3342
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	TRINITY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$734.41
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 WINDY CV OAKLAND TN 380605332, OAKLAND, TN 38060-5332

Mortgage

Document Number	3343
Date	Jun 7, 2018
Instrument	3343

Lender

Name	BANK OF AMERICAN FORK
Type	Bank
Address	AMERICAN FORK, UT 84003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2048

December 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Dec 19, 2017
Property Address	15 WINDY CV, OAKLAND, TN 38060-5332
Document Number	0000007893
Instrument Date	Dec 6, 2017
Instrument	7893
Transaction Type	Construction Loan
Record Updated	Jan 3, 2018
Title Company	TRINITY TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$548.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	803 MOUNT MORIAH RD #20 MEMPHIS TN 381175399, 20, MEMPHIS, TN 38117-5399
Investor	Possibly a Property Investor

Mortgage

Document Number	7894
Date	Dec 19, 2017
Instrument	7894

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 18, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Fayette County
Municipality	Oakland Town
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$75,175 Land $13,750 Building $61,425	$300,700 Land $55,000 Building $245,700
2023	$54,225 Land $8,750 Building $45,475
2021		$216,900 Land $35,000 Building $181,900

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 15 Windy Cv in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 31, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 15 Windy Cv is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% 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	OAKLAND WATER DEPT serves 15,443 people · EPA ID TN0000521
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Aeneas Communications Fiber	1,000 / 1,000

May also be available: Verizon.

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