Fayette County property record for 25 Cypress Point Rd, Oakland, TN 38060
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,267 sqft · built 2020 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Mar 2021) |
| Tax Bill | $1,676 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Sep 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 107A-A-070.00 |
| Primary APN | 107A-A-070.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,267 sqft Living Area |
| Gross Area | 2,692 sqft |
| 1st Floor Area | 1,621 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 425 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 25 CYPRESS POINT RD |
|---|---|
| City | OAKLAND |
| State | TN |
| Zip | 38060-4662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE FIELDS-HIDDEN SPRINGS PB: 9 PG: 20 LOT: 132 SECTION B 80X125 |
| Legal Subdivision | THE FIELDS-HIDDEN SPRINGS |
| Legal Lot Number | 132 |
| Jurisdiction | FAYETTE TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 60404 |
25 Cypress Point Rd is owned and occupied by two individuals who bought it in March 2021.
Source: Fayette County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Sep 29, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Jan 24, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 16, 2020 | Deed of Trust, Mortgage · Construction Mortgage INDEPENDENT BANK |
| Mar 15, 2021 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage COMMUNITY MORTGAGE CORP |
| Apr 5, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2021 · Amount on File |
| Deed Sale | Mar 15, 2021 · Amount on File |
| Prior Sale | Mar 31, 2017 · Amount on File |
| Deed Document Number | 20212413 |
| Prior Transfer Date | Jun 15, 2015 |
| Prior Transfer Doc | 0000003361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE TN |
| Recording Date | Oct 6, 2026 |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000006710 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20266710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000006710, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 20266710 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 294 Months |
| Due | Apr 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE TN |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000006077 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 25006077 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|---|
| Type | Non-Lending Institution |
| Address | 451 7TH ST SW, WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 307 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE TN |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|---|
| Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000000380 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 24000380 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE TN |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000000194 |
|---|---|
| Date | Jan 9, 2023 |
| Instrument | 23000194 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 339 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE TN |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3420 S HOUSTON LEVEE RD, GERMANTOWN, TN 38139-8017 |
| Document Number | 0000007144 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 20007144 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38157 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE TN |
| Recording Date | Mar 15, 2021 |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000002413 |
| Map Reference | MB 9 PG 20 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 21002413 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 1, 2022 |
| Title Company | NOT AVAILABLE, MEMPHIS TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000002414 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 21002414 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE TN |
| Recording Date | Apr 5, 2017 |
| Property Address | 25 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000002043 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 2043 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $255.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1364 CORDOVA CV GERMANTOWN TN 381382200, GERMANTOWN, TN 38138-2200 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 25 Cypress Point Rd was $1,676.
Source: Fayette County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Fayette County |
| Municipality | Oakland Town |
| Unified School District | Fayette County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,676.00 | $107,050 Land $12,500 Building $94,550 | $428,200 Land $50,000 Building $378,200 |
| 2023 | $76,850 Land $8,750 Building $68,100 | ||
| 2021 | $307,400 Land $35,000 Building $272,400 |
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.
FEMA maps place 25 Cypress Point Rd 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 risk around 25 Cypress Point Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures