316 Floyd St, Decherd, TN 37324 Property Records

Franklin County property record for 316 Floyd St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,032 sqft · built 1948
Lot Size	0.443 acres (19,276 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Dec 2022)
Tax Bill	$540 (2022)
Deeds & Mortgages	Nov 2024 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026056H A 03000`

Property Details

APN / Parcel Number

Primary APN	`026056H A 03000`
Alternative APN	`056H A 03000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1968
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,276 sqft (0.443 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Porch	Porch
Porch Area	120 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	316 FLOYD ST
City	DECHERD
State	TN
Zip	37324-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20 PART LOT 11, COUNTY AREA: D04
Legal Subdivision	RAMSEY ADD
Legal Block	C
Legal Lot Number	10
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	3
Census Block	3066
Census Tract	960100

Owner

Source: Franklin County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	316 FLOYD ST, DECHERD, TN 37324-3302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2024	Deed of Trust, Mortgage CITIZENS TRI-COUNTY BANK
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Jul 29, 2008 · Amount on Record
Deed Document Number	20229398
Deed Book / Page	472 / 559
Transfer Doc	00D360/715
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	316 FLOYD ST, DECHERD, TN 37324-3302
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 JO LN, BELVIDERE, TN 37306-2255

Mortgage

Document Number	0024006708
Date	Nov 1, 2024
Book Page	T1545/675
Instrument	24006708

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	2030 DECHERD BLVD, DECHERD, TN 37324

Agreement

Amount	Amount Recorded
Term	338 Months
Due	Jan 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Dec 19, 2022
Property Address	316 FLOYD ST, DECHERD, TN 37324-3302
Document Number	0022009398
Book / Page	D472 / 559
Map Reference	MB 48 PG 396
Instrument Date	Dec 16, 2022
Instrument	22009398
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$684.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022009399
Date	Dec 19, 2022
Instrument	22009399

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	0022009400
Date	Dec 19, 2022
Book Page	T1472/1
Instrument	22009400

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Franklin County
Municipality	Decherd City
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$21,750 (+4.82%) Land $2,950 Building $18,800
2023		$20,750 Land $2,950 Building $17,800
2022	$540.00		$87,000 Land $11,800 Building $75,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1997)
Most Recent Claim	Feb 1997 · rainfall accumulation

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	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 86 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

May also be available: AT&T.

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