305 Clay St, Oakland, TN 38060 Property Records

Fayette County property record for 305 Clay St, Oakland, TN 38060

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,400 sqft · built 2007
Lot Size	0.226 acres (9,849 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Oct 2026)
Tax Bill	$965 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2026 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`087P-F-015.00`

Property Details

APN / Parcel Number

Primary APN	`087P-F-015.00`
Alternative APNs	`08087PF087P01500` `024087P F 01500`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	L-Shape
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,849 sqft (0.226 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	305 CLAY ST
City	OAKLAND
State	TN
Zip	38060-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLANDS CLAY HILLS SUBD PB: 8 PG: 150 LOT: 15 PHASE I 9849.77 SQ FT
Legal Subdivision	OAKLANDS CLAY HILLS SUBD
Legal Lot Number	15
Jurisdiction	FAYETTE TN
Township / Civil Division	4
Census Block Group	2
Census Block	2028
Census Tract	60404

Owner

305 Clay St is owned and occupied by an individual who bought it in October 2026.

Source: Fayette County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	305 CLAY ST, OAKLAND, TN 38060-4231
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Jul 14, 2026	Deed of Trust, Mortgage · Construction Mortgage BANK OF FAYETTE COUNTY
Nov 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK
Oct 31, 2018	Warranty Deed, Transfer THE BANK OF FAYETTE COUNTY
Feb 23, 2018	Intrafamily Transfer, Transfer THE BANK OF FAYETTE COUNTY
Feb 23, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Feb 23, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Prior Sale	Oct 31, 2018 · Amount on File
Deed Document Number	20266750
Prior Transfer Date	Feb 22, 2018
Prior Transfer Doc	0000001007
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Oct 7, 2026
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000006750
Instrument Date	Sep 14, 2026
Instrument	20266750
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	ERICKSON TITLE AND CLOSING LLC, ERICKSON TITLE & CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,030.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CLAY ST, OAKLAND, TN 38060-4231

Mortgage

Document Number	0000006751,
Date	Oct 7, 2026
Instrument	20266751

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2051

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Recording Date	Jul 14, 2026
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000004595
Instrument Date	Jun 22, 2026
Instrument	20264595
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CLAY ST, OAKLAND, TN 38060-4231

Mortgage

Document Number	0000004595,
Date	Jul 14, 2026
Instrument	20264595

Lender

Name	BANK OF FAYETTE COUNTY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CLAY ST, OAKLAND, TN 38060-4231

Mortgage

Document Number	0000006686
Date	Nov 21, 2023
Instrument	23006686

Lender

Name	PATRIOT BANK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Oct 31, 2018
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000006719
Map Reference	MB8 PG150
Instrument Date	Oct 30, 2018
Instrument	18006719
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 CLAY ST, OAKLAND, TN 38060-4231

Mortgage

Document Number	0000006720
Date	Oct 31, 2018
Instrument	18006720

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank

Agreement

Amount	Amount on Record

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FAYETTE TN
Recording Date	Feb 23, 2018
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000001007
Map Reference	MB 8 PG 150
Instrument Date	Feb 22, 2018
Instrument	18001007
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 DENNISON RD, EADS, TN 38028-3244

Mortgage

Document Number	0000001008
Date	Feb 23, 2018
Instrument	18001008

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank

Agreement

Amount	Amount on Record

February 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FAYETTE TN
Recording Date	Feb 23, 2018
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000001006
Instrument Date	Feb 21, 2018
Instrument	1006
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CLAY ST OAKLAND TN 380604231, OAKLAND, TN 38060-4231

February 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FAYETTE TN
Recording Date	Feb 23, 2018
Property Address	305 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000001005
Instrument Date	Feb 21, 2018
Instrument	1005
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CLAY ST OAKLAND TN 380604231, OAKLAND, TN 38060-4231

Tax Assessment & Valuation

The 2025 property tax bill for 305 Clay St was $965.

Source: Fayette County assessment roll, as of December 8, 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	Tax Bill	Assessed Value	Assessed Market Value
2025	$965.00	$61,675 Land $10,625 Building $51,050	$246,700 Land $42,500 Building $204,200
2023		$42,500 (-) Land $8,125 Building $34,375
2022	$728.00	$42,500 Land $8,125 Building $34,375
2021			$170,000 Land $32,500 Building $137,500

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 305 Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 31, 2025 · 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	7 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

Wildfire risk around 305 Clay St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Aeneas Communications.

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