1605 Carter Rd, Decherd, TN 37324 Property Records

Franklin County property record for 1605 Carter Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,321 sqft · built 1998
Lot Size	0.981 acres (42,750 sqft)
Owner	Individual Name on Record
Last Sale	$256,000 (Jun 2021)
Tax Bill	$1,849 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026057I A 01100`

Property Details

APN / Parcel Number

Primary APN	`026057I A 01100`
Alternative APN	`057I A 01100`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,321 sqft Living Area
1st Floor Area	1,216 sqft
Upper Floors Area	1,842 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,750 sqft (0.981 acres)
Lot Dimensions	225 ft deep x 190 ft wide
Garage Type	Finished
Garage Area	626 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	323 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1605 CARTER RD
City	DECHERD
State	TN
Zip	37324-3976
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20 119'X225', COUNTY AREA: R04
Legal Subdivision	BLUE SPRINGS PH I
Legal Lot Number	11
Jurisdiction	FRANKLIN TN
Township / Civil Division	4
Census Block Group	1
Census Block	1009
Census Tract	960600

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	1605 CARTER RD, DECHERD, TN 37324-3976
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 28, 2019	Deed of Trust, Mortgage · FHA Mortgage ARC HOME LLC
Feb 21, 2019	Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	21004830
Deed Book / Page	D0455 / 116
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jun 1, 2021
Property Address	1605 CARTER RD, DECHERD, TN 37324-3976
Document Number	0021004830
Book / Page	D0455 / 116
Map Reference	ENV 302A
Instrument Date	May 28, 2021
Instrument	21004830
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	SOVEREIGN TITLE AGENCY LLC, SOVEREIGN T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$947.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1605 CARTER RD, DECHERD, TN 37324-3976

Mortgage

Document Number	0021004831
Date	Jun 1, 2021
Instrument	21004831

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	1605 CARTER RD, DECHERD, TN 37324-3976
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006483
Date	Oct 24, 2017
Book Page	T1233/607
Instrument	17006483

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	1605 CARTER RD, DECHERD, TN 37324-3976
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006663
Date	Oct 28, 2019
Book Page	T1304/732
Instrument	19006663

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Feb 21, 2019
Property Address	1605 CARTER RD, DECHERD, TN 37324-3976
Document Number	0019000969
Book / Page	D0434 / 410
Map Reference	ENV 320A
Instrument Date	Feb 20, 2019
Instrument	19000969
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	SOVEREIGN TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$806.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 CARTER RD, DECHERD, TN 37324-3976

Mortgage

Document Number	0019000970
Date	Feb 21, 2019
Instrument	19000970

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$1,849.00 (+6.39%)	$92,675 (-) Land $15,000 Building $77,675
2023		$92,675 Land $15,000 Building $77,675
2022	$1,738.00		$370,700 Land $60,000 Building $310,700

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	4 in force
Nearby Flood Claims	5 (1993–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% 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 30 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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