320 Floyd St, Decherd, TN 37324 Property Records

Franklin County property record for 320 Floyd St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1958
Lot Size	0.409 acres (17,816 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Mar 2026)
Tax Bill	$788 (2022)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026056H A 03001`

Property Details

APN / Parcel Number

Primary APN	`026056H A 03001`
Alternative APN	`056H A 03001`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1982
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,816 sqft (0.409 acres)
Lot Dimensions	136 ft deep x 131 ft wide
Garage Type	Carport
Garage Area	700 sqft
Carport	Carport
Carport Area	700 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	318 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 FLOYD ST
City	DECHERD
State	TN
Zip	37324-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20, COUNTY AREA: D04 1 ADDITIONAL MOBILE HOME
Legal Subdivision	RAMSEY ADD
Legal Tract	2
Legal Block	C
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	3
Census Block	3066
Census Tract	960100

Owner

Source: Franklin County records, as of April 15, 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	320 FLOYD ST, DECHERD, TN 37324-3302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
Mar 25, 2026	Warranty Deed, Transfer HYWATER TITLE
Nov 5, 2024	Warranty Deed, Transfer · Commercial Mortgage BELL ROCK INCOME FUND 2 LLC
Feb 11, 2022	Warranty Deed, Transfer CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Nov 5, 2024 · Amount on Record
Deed Document Number	20262079
Deed Book / Page	503 / 651
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Recording Date	Jun 30, 2026
Property Address	320 FLOYD ST, DECHERD, TN 37324-3302
Document Number	0000004741
Book / Page	1627 / 90
Instrument Date	Jun 26, 2026
Instrument	20264741
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004741,
Date	Jun 30, 2026
Book Page	1627/90
Instrument	20264741

Lender

Name	SMARTBANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 26, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Mar 25, 2026
Property Address	320 FLOYD ST, DECHERD, TN 37324-3302
Document Number	0026002079
Book / Page	D503 / 651
Map Reference	ENV 694-36
Instrument Date	Mar 18, 2026
Instrument	26002079
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	HYWATER TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 FLOYD ST, DECHERD, TN 37324-3302

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Nov 5, 2024
Property Address	320 FLOYD ST, DECHERD, TN 37324-3302
Document Number	0024006814
Book / Page	D490 / 201
Instrument Date	Nov 4, 2024
Instrument	24006814
Transaction Type	Transfer
Record Updated	Nov 18, 2024
Title Company	HYWATER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 FLOYD ST, DECHERD, TN 37324-3302
Investor	Possibly a Property Investor

Mortgage

Document Number	0024006815
Date	Nov 5, 2024
Book Page	T1546/403
Instrument	24006815

Lender

Name	BELL ROCK INCOME FUND 2 LLC
Address	6628 E BASELINE RD STE 101, MESA, AZ 85206

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Feb 11, 2022
Property Address	320 FLOYD ST, DECHERD, TN 37324-3302
Document Number	0022001272
Book / Page	D0463 / 445
Map Reference	ENV 694-36
Instrument Date	Feb 9, 2022
Instrument	22001272
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	UNKNOWN, SOVEREIGN T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 FLOYD ST, DECHERD, TN 37324-3302

Mortgage

Document Number	0022001273
Date	Feb 11, 2022
Instrument	22001273

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 9, 2042

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		$28,900 (+1.31%) Land $2,225 Building $26,675
2023		$28,525 Land $2,225 Building $26,300
2022	$788.00		$115,600 Land $8,900 Building $106,700

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.

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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