406 4th Ave N, Decherd, TN 37324 Property Records

Franklin County property record for 406 4th Ave N, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,504 sqft · built 1963
Lot Size	0.247 acres (10,758 sqft)
Owner	Individual Name on File
Last Sale	$140,500 (Aug 2020)
Tax Bill	$858 (2022)
Deeds & Mortgages	May 2026 Line of Credit Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026056I C 00100`

Property Details

APN / Parcel Number

Primary APN	`026056I C 00100`
Alternative APN	`056I C 00100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	470 sqft
Finished Basement	470 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1983
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,758 sqft (0.247 acres)
Lot Dimensions	183 ft deep x 145 ft wide

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	96 sqft
Patio Area	620 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 4TH AVE N
City	DECHERD
State	TN
Zip	37324-3438
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

406 4th Ave N is owned and occupied by an individual who bought it in August 2020.

Source: Franklin County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	406 4TH AVE N, DECHERD, TN 37324-3438
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
May 4, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS TRI-COUNTY BANK
Aug 26, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STONE FORT MORTGAGE INC
May 20, 2020	Warranty Deed, Transfer ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC
May 8, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2020 · Amount on File
Deed Sale	Aug 26, 2020 · Amount on File
Prior Sale	May 20, 2020 · Amount on File
Deed Document Number	20205837
Deed Book / Page	446 / 491
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Recording Date	May 4, 2026
Property Address	406 4TH AVE N, DECHERD, TN 37324-3438
Document Number	0000003200
Book / Page	1618 / 249
Instrument Date	Apr 24, 2026
Instrument	20263200
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH AVE N, DECHERD, TN 37324-3438

Mortgage

Document Number	0000003200,
Date	May 4, 2026
Book Page	1618/249
Instrument	20263200

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 24, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Aug 26, 2020
Property Address	406 4TH AVE N, DECHERD, TN 37324-3438
Document Number	0020005837
Book / Page	D0446 / 491
Instrument Date	Aug 24, 2020
Instrument	20005837
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 4, 2022
Title Company	ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$519.85
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH AVE N, DECHERD, TN 37324-3438

Mortgage

Document Number	0020005838
Date	Aug 26, 2020
Instrument	20005838

Lender

Name	STONE FORT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 20, 2020
Property Address	406 4TH AVE N, DECHERD, TN 37324-3438
Document Number	0000003062
Book / Page	000443 / 000614
Instrument Date	May 20, 2020
Instrument	3062
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Tax	$270.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	525 RIDGE RD BELVIDERE TN 373062529, BELVIDERE, TN 37306-2529

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 8, 2018
Property Address	406 4TH AVE N, DECHERD, TN 37324-3438
Document Number	0000002822
Book / Page	000428 / 000030
Instrument Date	Apr 26, 2018
Instrument	2822
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$12,432.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1805 PENILE HILL RD DECHERD TN 373244147, DECHERD, TN 37324-4147

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		$31,600 Land $2,450 Building $29,150
2023		$32,950 Land $2,450 Building $30,500
2022	$858.00		$126,400 Land $9,800 Building $116,600

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 406 4th Ave N in Zone X, an area of minimal flood risk.

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

Wildfire risk around 406 4th Ave N is low, with less than a 0.01% annual chance of 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.

Nearby Properties on 4th Ave N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures