401 3rd Ave N, Decherd, TN 37324 Property Records

Franklin County property record for 401 3rd Ave N, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 2,744 sqft · built 1960
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$368,900 (Apr 2026)
Tax Bill	$653 (2022)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`026056I C 00400`

Property Details

APN / Parcel Number

Primary APN	`026056I C 00400`
Alternative APN	`056I C 00400`

Interior

Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,744 sqft Living Area
1st Floor Area	2,744 sqft
Basement Area	764 sqft
Finished Basement	764 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	494 sqft
Carport	Carport
Carport Area	494 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft
Utility Building	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 3RD AVE N
City	DECHERD
State	TN
Zip	37324-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20, COUNTY AREA: D03
Legal Subdivision	SANFORD
Legal Block	24
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	1
Census Block	1007
Census Tract	960401

Owner

Source: Franklin County records, as of April 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	401 3RD AVE N, DECHERD, TN 37324-3428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Apr 16, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 11, 2023	Warranty Deed, Transfer STONES RIVER TITLE COMPANY LLC, STONES RIVER TITLE LLC
Mar 17, 2023	Quit Claim Deed, Transfer METROPOLITAN ESCROW, METROPOLITAN ESCROW INC
Jan 7, 2021	Warranty Deed, Transfer SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC
Mar 29, 2019	Deed in Lieu of Foreclosure, Foreclosure SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC
Nov 13, 2017	Warranty Deed, Transfer MICHAEL F & SANDRA B SUBLETT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Sep 11, 2023 · Amount on Record
Deed Document Number	20262713
Deed Book / Page	504 / 339
Prior Transfer Date	Mar 17, 2023
Prior Transfer Doc	0023001623
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 16, 2026
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0026002713
Book / Page	504 / 339
Instrument Date	Apr 13, 2026
Instrument	20262713
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	WOODBURY TITLE AGENCY, WOODLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137,857.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 3RD AVE N, DECHERD, TN 37324-3428

Mortgage

Document Number	0000002714,
Date	Apr 16, 2026
Instrument	20262714

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.12%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 16, 2026
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0000002713
Book / Page	504 / 339
Instrument Date	Apr 13, 2026
Instrument	2026.2713
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	WOODLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137,857.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 3RD AVE N, DECHERD, TN 37324-3428

Mortgage

Document Number	0000002714,
Date	Apr 16, 2026
Instrument	2026..2714

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Sep 11, 2023
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0023005536
Book / Page	D479 / 165
Instrument Date	Sep 8, 2023
Instrument	23005536
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	STONES RIVER TITLE COMPANY LLC, STONES RIVER TITLE LLC

Transaction

Amount	Amount Recorded
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
Address	100 N BALLARD RD, MANCHESTER, TN 37355-3469

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN TN
Recording Date	Mar 17, 2023
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0023001623
Book / Page	D474 / 658
Instrument Date	Mar 17, 2023
Instrument	23001623
Transaction Type	Transfer
Record Updated	Mar 31, 2023
Title Company	METROPOLITAN ESCROW, METROPOLITAN ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 BENNETT ST, DECHERD, TN 37324-3045

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jan 7, 2021
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0000000164
Book / Page	000450 / 000527
Instrument Date	Jan 7, 2021
Instrument	164
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$333.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 POPLAR ST N COWAN TN 373183213, COWAN, TN 37318-3213

March 2019: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	FRANKLIN TN
Recording Date	Mar 29, 2019
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0000001750
Book / Page	000435 / 000241
Instrument Date	Mar 29, 2019
Instrument	1750
Transaction Type	Foreclosure
Record Updated	Apr 4, 2019
Title Company	SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2257 BROWN RD SANFORD NC 273300354, SANFORD, NC 27330-0354

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Nov 13, 2017
Property Address	401 3RD AVE N, DECHERD, TN 37324-3428
Document Number	0000006891
Book / Page	000423 / 000595
Instrument Date	Nov 9, 2017
Instrument	6891
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	SOUTHERN TN TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 3RD AVE N DECHERD TN 373243428, DECHERD, TN 37324-3428

Mortgage

Document Number	6892
Date	Nov 13, 2017
Book Page	001235/000500
Instrument	6892

Lender

Name	MICHAEL F & SANDRA B SUBLETT
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	600 Months
Due	Nov 12, 2067

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		$65,400 (+160.82%) Land $3,250 Building $62,150
2023		$25,075 (-) Land $3,250 Building $21,825
2022	$653.00	$25,075 Land $3,250 Building $21,825	$261,600 (+160.82%) Land $13,000 Building $248,600
2021			$100,300 Land $13,000 Building $87,300

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 0.01% 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: United Communications.

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