385 Clay St, Oakland, TN 38060 Property Records

Fayette County property record for 385 Clay St, Oakland, TN 38060

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,030 sqft · built 2003
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Mar 2022)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024087P H 00300`

Property Details

APN / Parcel Number

Primary APN	`024087P H 00300`
Alternative APNs	`087I C 03100 000` `087P H 00300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,030 sqft Living Area
1st Floor Area	1,030 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Terrain	Rolling
Porch	Open Porch
Porch Area	90 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	087I C 03100 000
Street Address	385 CLAY ST
City	OAKLAND
State	TN
Zip	38060-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIS 2000 87P C 11.00 CHG FROM 87I C 31.00 -2011
Jurisdiction	FAYETTE TN
Township / Civil Division	4
Census Block Group	2
Census Block	2028
Census Tract	60404

Owner

385 Clay St is owned and occupied by an individual who bought it in March 2022.

Source: Fayette County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	385 CLAY ST, OAKLAND, TN 38060-4231
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Warranty Deed, Transfer · Conventional Mortgage THE BANK OF FAYETTE COUNTY
Mar 30, 2022	Affidavit of Death of Joint Tenant, Transfer
Mar 30, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Mar 30, 2022
Deed Document Number	22002533
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Mar 30, 2022
Property Address	385 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000002533
Instrument Date	Mar 28, 2022
Instrument	22002533
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	385 CLAY ST, OAKLAND, TN 38060-4231

Mortgage

Document Number	0000002534
Date	Mar 30, 2022
Instrument	22002534

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FAYETTE TN
Recording Date	Mar 30, 2022
Property Address	385 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000002532
Instrument Date	Jan 18, 2022
Instrument	22002532
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FAYETTE TN
Recording Date	Mar 30, 2022
Property Address	385 CLAY ST, OAKLAND, TN 38060-4231
Document Number	0000002531
Instrument Date	Jan 18, 2022
Instrument	22002531
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Fayette County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Fayette County
Municipality	Oakland Town
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$40,550 Land $13,750 Building $26,800	$162,200 Land $55,000 Building $107,200
2023	$29,175 Land $10,000 Building $19,175
2021		$116,700 Land $40,000 Building $76,700

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

FEMA maps place 385 Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 31, 2025 · 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	7 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

Wildfire risk around 385 Clay St is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 63% of Tennessee
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAKLAND WATER DEPT serves 15,443 people · EPA ID TN0000521
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Aeneas Communications.

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