296 Stevens Ln, Decherd, TN 37324 Property Records

Franklin County property record for 296 Stevens Ln, Decherd, TN 37324

Property Summary

Property Type	Mobile Home
Details	672 sqft · built 1983
Lot Size	3.44 acres (149,846 sqft)
Owner	Owner Name on Record
Last Sale	$6,250 (Apr 1988)
Tax Bill	$261 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026057 04907`

Property Details

APN / Parcel Number

Primary APN	`026057 04907`
Alternative APN	`057 04907`

Interior

Building Area	672 sqft Living Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1983
Architectural Style	Mobile/Manufactured
Lot Area	149,846 sqft (3.44 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Shed Area	240 sqft
Utility Building	1 sqft

Location & Zoning

Street Address	296 STEVENS LN
City	DECHERD
State	TN
Zip	37324-4034
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	DISTRICT: 10, COUNTY AREA: R02
Legal Subdivision	MILES GORDON SMITH
Jurisdiction	FRANKLIN TN
Township / Civil Division	4
Census Block Group	1
Census Block	1003
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	Owner Name on Record
Mailing Address	296 STEVENS LN, DECHERD, TN 37324-4034
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-COUNTY BANK
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 1988 · Amount on Record
Deed Sale	Apr 9, 1988 · Amount on Record
Deed Document Number	0000222461
Deed Book / Page	222 / 461
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Recording Date	Jul 30, 2026
Property Address	296 STEVENS LN, DECHERD, TN 37324-4034
Document Number	0000005603
Book / Page	2 / 1285
Instrument Date	Jul 23, 2026
Instrument	20265603
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 STEVENS LN, DECHERD, TN 37324-4034

Mortgage

Document Number	0000005603,
Date	Jul 30, 2026
Book Page	2/1285
Instrument	20265603

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 28, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	296 STEVENS LN, DECHERD, TN 37324-4034
Document Number	0000000124
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	296 STEVENS LN DECHERD TN 373244034, DECHERD, TN 37324-4034

Mortgage

Document Number	0000000124
Date	Jan 8, 2020
Book Page	001313/000064
Instrument	124

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 7, 2035

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	$261.00 (+9.66%)	$13,075 (+2.95%) Land $11,275 Building $1,800
2023		$12,700 Land $11,275 Building $1,425
2022	$238.00		$52,300 Land $45,100 Building $7,200

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 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	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.09% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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