354 Garner Rd, Decherd, TN 37324 Property Records

Franklin County property record for 354 Garner Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,244 sqft · built 2016
Lot Size	7.37 acres (321,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,000 (Jan 2020)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026049 00313`

Property Details

APN / Parcel Number

Primary APN	`026049 00313`
Alternative APN	`049 00313`

Interior

Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,244 sqft Living Area
1st Floor Area	1,748 sqft
Upper Floors Area	496 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	321,037 sqft (7.37 acres)
Garage Type	Mixed
Garage Area	3,004 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	832 sqft
Shed	1 Shed
Shed Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	354 GARNER RD
City	DECHERD
State	TN
Zip	37324-4851
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	1093
Census Tract	960100

Owner

Source: Franklin County records, as of June 11, 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	354 GARNER RD, DECHERD, TN 37324-4851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Jul 1, 2013 · Amount on Record
Deed Document Number	2020648
Deed Book / Page	441 / 455
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jan 31, 2020
Property Address	354 GARNER RD, DECHERD, TN 37324-4851
Document Number	0000000648
Book / Page	000441 / 000455
Instrument Date	Dec 20, 2019
Instrument	648
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	SOVEREIGN TITLE AND ESCROW LLC, SOVEREIGN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	354 CHURCH RD DECHERD TN 37324, DECHERD, TN 37324

Mortgage

Document Number	649
Date	Jan 31, 2020
Book Page	001315/000441
Instrument	649

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

Tax Assessment & Valuation

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

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	$2,609.00 (+25.8%)	$130,750 (-2.13%) Land $13,700 Building $117,050
2023		$133,600 Land $13,700 Building $119,900
2022	$2,074.00		$523,000 Land $54,800 Building $468,200

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 A, within 100 ft
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 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.03% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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