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3632 E Roarks Cove Rd, Decherd, TN 37324 Property Records

Franklin County property record for 3632 E Roarks Cove Rd, Decherd, TN 37324

Property Summary

Property TypeRural Home
Details8.25 ba · 7,270 sqft · built 2023
Lot Size15.1 acres (657,756 sqft)
Owner2 Individual Names on Record
Tax Bill$9,261 (2025)
Deeds & MortgagesJan 2026 Mortgage
Jun 2025 Transfer
Flood ZoneZone X (minimal risk)
APN026049 03502

Property Details

APN / Parcel Number

Primary APN026049 03502
Alternative APN
  • 049 03502

Interior

Full Baths8.25 Baths
Half Baths1 Half Bath
Plumbing Fixtures25 Plumbing Fixtures
Stories2 Stories
Building Area7,270 sqft Living Area
1st Floor Area3,874 sqft
FlooringHardwood
Interior WallsPaneling

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialStone
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area657,756 sqft (15.1 acres)
Garage TypeFinished
Garage Area1,572 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces5 Parking Spaces
PorchSlab
Porch Area1 sqft
Deck Area812 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address3632 E ROARKS COVE RD
CityDECHERD
StateTN
Zip37324-4802
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
JurisdictionFRANKLIN TN
Township / Civil Division6
Census Block Group1
Census Block1096
Census Tract960100

Owner

Source: Franklin County records, as of January 27, 2026

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

Owner of Record2 Individual Names on Record
Mailing AddressPO BOX 306, DECHERD, TN 37324-0306
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
US BANK NA
Jun 11, 2025Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJun 11, 2025
Transfer Doc0025003861
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN TN
Property Address3632 E ROARKS COVE RD, DECHERD, TN 37324-4802
Transaction TypeMortgage
Record UpdatedJan 30, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 190, WINCHESTER, TN 37398-0190

Mortgage

Document Number0026000321
DateJan 16, 2026
Book PageT1601/713
Instrument26000321
Lender
NameUS BANK NA
TypeBank
Address2800 TAMARACK RD, OWENSBORO, KY 42301
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
AdjustableAdjustable Rate Rider
Type Change DateFeb 1, 2033
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change10.2%
Index1-Year CMT
Max Rate10.2%

June 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFRANKLIN TN
Recording DateJun 11, 2025
Property Address3632 E ROARKS COVE RD, DECHERD, TN 37324-4802
Document Number0025003861
Book / PageD496 / 60
Instrument DateJun 11, 2025
Instrument25003861
Transaction TypeTransfer
Record UpdatedJan 27, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
AddressPO BOX 306, DECHERD, TN 37324-0306

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTennessee
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,261.00 Additional exemption filed$464,125 Land $12,175 Building $451,950
2022$1,965,900 Land $158,100 Building $1,807,800

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskModerate
above 48% of the US · above 65% of Tennessee
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSEWANEE UTILITY DISTRICT
serves 5,970 people · EPA ID TN0000623
Water SourceSurface water
Last State InspectionOct 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 1 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Verizon
Fixed Wireless		25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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