Franklin County property record for 315 Davis St, Cowan, TN 37318
| Property Type | Duplex |
|---|---|
| Details | 4 ba · 2,584 sqft · built 2023 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $330,000 (May 2024) |
| Deeds & Mortgages | Mar 2026 Transfer Oct 2025 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 026077N A 00402 |
| Primary APN | 026077N A 00402 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Living Area |
| 1st Floor Area | 1,292 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Duplex Single |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,738 sqft (1.05 acres) |
| Lot Dimensions | 457 ft deep x 100 ft wide |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 315 DAVIS ST |
|---|---|
| City | COWAN |
| State | TN |
| Zip | 37318-3162 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Jurisdiction | FRANKLIN TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1079 |
| Census Tract | 960600 |
315 Davis St, a duplex, is held in a trust since May 2024.
Source: Franklin County records, as of March 24, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3364 EL SUYO DR, SAN RAMON, CA 94583-3032 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Mar 9, 2026 | Intrafamily Transfer, Transfer |
| Oct 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CONPRUNITY FIRST NATEANAL BANK |
| Apr 8, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS TRI-COUNTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on File |
| Deed Sale | May 28, 2024 · Amount on File |
| Deed Document Number | 20243090 |
| Deed Book / Page | 485 / 638 |
| Prior Transfer Date | Mar 19, 2024 |
| Prior Transfer Doc | 0000001545 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Mar 9, 2026 |
| Property Address | 315 DAVIS ST, COWAN, TN 37318-3162 |
| Document Number | 0026001635 |
| Book / Page | D503 / 248 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 26001635 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3364 EL SUYO DR, SAN RAMON, CA 94583-3032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Property Address | 315 DAVIS ST, COWAN, TN 37318-3162 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3364 EL SUYO DR, SAN RAMON, CA 94583-3032 |
| Document Number | 0025006900 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | T1589/488 |
| Instrument | 25006900 |
| Name | CONPRUNITY FIRST NATEANAL BANK |
|---|---|
| Address | 215 S SETH CHILD RD, MANHATTAN, KS 66502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Property Address | 315 DAVIS ST, COWAN, TN 37318-3162 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1411 JACKSON RD, MT JULIET, TN 37122-2187 |
| Document Number | 0024001886 |
|---|---|
| Date | Apr 8, 2024 |
| Book Page | T1520/181 |
| Instrument | 24001886 |
| Name | CITIZENS TRI-COUNTY BANK |
|---|---|
| Type | Bank |
| Address | 2030 DECHERD BLVD, DECHERD, TN 37324 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Mar 19, 2025 |
Source: Franklin County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Franklin County |
| Municipality | Cowan City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $98,960 Land $5,080 Building $93,880 | |
| 2022 | $247,400 Land $12,700 Building $234,700 |
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.
FEMA maps place 315 Davis St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 23, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 315 Davis St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% 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 | COWAN B.P.U. serves 2,550 people · EPA ID TN0000146 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2025 |
| Lead | 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 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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