2032 Espalier Dr, Decatur, TN 37322 Property Records

Meigs County property record for 2032 Espalier Dr, Decatur, TN 37322

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,910 sqft · built 2014
Lot Size	1.67 acres (72,745 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,900 (Dec 2010)
Tax Bill	$3,562 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`061032 00269`

Property Details

APN / Parcel Number

Primary APN	`061032 00269`
Alternative APN	`032 00269`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,910 sqft Living Area
1st Floor Area	2,224 sqft
Upper Floors Area	1,686 sqft
Basement Area	2,268 sqft
Unfinished Basement	2,268 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2015
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	72,745 sqft (1.67 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	253 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Porch
Porch Area	765 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2032 ESPALIER DR
City	DECATUR
State	TN
Zip	37322-7891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 03, COUNTY AREA: C01
Legal Subdivision	ESPALIER BAY SEC II
Legal Lot Number	69
Jurisdiction	MEIGS TN
Township / Civil Division	4
Census Block Group	1
Census Block	1022
Census Tract	960200

Owner

Source: Meigs County records, as of January 23, 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	2032 ESPALIER DR, DECATUR, TN 37322-7891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit TENNESSEE VLY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2010 · Amount on Record
Deed Sale	Dec 23, 2010 · Amount on Record
Deed Document Number	00000H5770
Deed Book / Page	H5 / 770
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEIGS TN
Property Address	2032 ESPALIER DR, DECATUR, TN 37322-7891
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	246/173
Date	Jul 19, 2021
Book Page	246/173
Instrument	40822

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEIGS TN
Property Address	2032 ESPALIER DR, DECATUR, TN 37322-7891
Document Number	215351
Book / Page	000215 / 000351
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2032 ESPALIER DR DECATUR TN 373227891, DECATUR, TN 37322-7891

Mortgage

Document Number	215351
Date	Sep 18, 2017
Book Page	000215/000351
Instrument	31714

Lender

Name	TENNESSEE VLY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,562.00	$210,975 (-) Land $15,000 Building $195,975
2024	$3,562.00	$210,975 (-) Land $15,000 Building $195,975
2023	$3,562.00	$210,975 (-) Land $15,000 Building $195,975
2022	$3,562.00	$210,975 Land $15,000 Building $195,975	$843,900 (-) Land $60,000 Building $783,900
2021			$843,900 Land $60,000 Building $783,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.08% 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	WATTS BAR UTILITY DISTRICT serves 16,253 people · EPA ID TN0000872
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	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	None 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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