3450 Oak Grove Rd, Decherd, TN 37324 Property Records

Franklin County property record for 3450 Oak Grove Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,729 sqft · built 2019
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$23,000 (Apr 2018)
Tax Bill	$1,597 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2024 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`026020 00700`

Property Details

APN / Parcel Number

Primary APN	`026020 00700`
Alternative APN	`020 00700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,729 sqft Living Area
1st Floor Area	3,044 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	117,612 sqft (2.7 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,638 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3450 OAK GROVE RD
City	DECHERD
State	TN
Zip	37324-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09, COUNTY AREA: R02
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1010
Census Tract	960100

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	2 Individual Names on Record
Mailing Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY MORTGAGE INC
Nov 12, 2024	Deed of Trust, Mortgage · Line of Credit ASCEND FCU
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Jul 31, 2018	Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS CMNTY BK
Apr 12, 2018	Warranty Deed, Transfer SOUTHERN TENNESSEE TITLE
Nov 13, 2017	Warranty Deed, Transfer SOUTHERN TENNESSEE TITLE
Aug 21, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Prior Sale	Aug 21, 2017 · Amount on Record
Deed Document Number	0000427200
Deed Book / Page	268 / 594
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	17006826
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021007704
Date	Aug 27, 2021
Book Page	T1405/301
Instrument	21007704

Lender

Name	FIDELITY MORTGAGE INC
Type	Subprime Lender
Address	MIAMI BEACH, FL 33140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024006952
Date	Nov 12, 2024
Book Page	T1547/189
Instrument	24006952

Lender

Name	ASCEND FCU
Type	Credit Union
Address	520 AIRPARK DR, TULLAHOMA, TN 37388

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 11, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007556
Date	Dec 4, 2019
Book Page	T1309/565
Instrument	19007556

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank
Address	WINCHESTER, TN 37398

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jul 31, 2018
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Book / Page	001260 / 000132
Instrument Date	Jul 23, 2018
Instrument	4767
Transaction Type	Construction Loan
Record Updated	Aug 15, 2018
Title Company	SOUTHERN TN TITLE AND ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000004767
Date	Jul 31, 2018
Book Page	001260/000132
Instrument	4767

Lender

Name	CITIZENS CMNTY BK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 30, 2019

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 12, 2018
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Document Number	0018002183
Book / Page	D0427 / 200
Instrument Date	Apr 11, 2018
Instrument	18002183
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	SOUTHERN TENNESSEE TITLE

Transaction

Amount	Amount Recorded
Tax	$85.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1432 CLARK RD, WINCHESTER, TN 37398-3151

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Nov 13, 2017
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Document Number	0017006826
Book / Page	D0423 / 536
Instrument Date	Nov 9, 2017
Instrument	17006826
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	SOUTHERN TENNESSEE TITLE

Transaction

Amount	Amount Recorded
Tax	$66.60
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 WILDER CHAPEL RD, DECHERD, TN 37324-4469

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN TN
Recording Date	Aug 21, 2017
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Document Number	0000005010
Book / Page	000421 / 000696
Instrument Date	Aug 15, 2017
Instrument	5010
Transaction Type	Transfer
Record Updated	Sep 1, 2017

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 W CARROLL ST TULLAHOMA TN 373883403, TULLAHOMA, TN 37388-3403

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jan 5, 2017
Property Address	3450 OAK GROVE RD, DECHERD, TN 37324-4412
Document Number	0000000085
Book / Page	000417 / 000136
Instrument Date	Jan 5, 2017
Instrument	85
Transaction Type	Transfer
Record Updated	Jan 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	984 OAK GROVE RD DECHERD TN 373244402, DECHERD, TN 37324-4402

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	$1,597.00 (+10.9%)	$80,025 (+4.2%) Land $8,725 Building $71,300
2023		$76,800 Land $8,725 Building $68,075
2022	$1,440.00		$320,100 Land $34,900 Building $285,200

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	2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Point Broadband Fixed Wireless	10 / 1

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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