409 Horton St, Decherd, TN 37324 Property Records

Franklin County property record for 409 Horton St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,312 sqft · built 1910
Lot Size	0.755 acres (32,900 sqft)
Owner	Individual Name on File
Tax Bill	$807 (2022)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026056J A 03000`

Property Details

APN / Parcel Number

Primary APN	`026056J A 03000`
Alternative APN	`056J A 03000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,312 sqft Living Area
1st Floor Area	1,312 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,900 sqft (0.755 acres)
Lot Dimensions	235 ft deep x 140 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Patio Area	336 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 HORTON ST
City	DECHERD
State	TN
Zip	37324-3335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20 LOTS 7 & 8 BL D 9-11, PT8 & PT12 BL G, COUNTY AREA: D04
Legal Subdivision	LOVE & HENRY
Legal Block	D
Legal Lot Number	7,8
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	1
Census Block	1067
Census Tract	960401

Owner

409 Horton St is owned and occupied by an individual who acquired it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	409 HORTON ST, DECHERD, TN 37324-3335
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
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 17, 2021	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 17, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021
Deed Sale	Nov 17, 2021
Prior Sale	Nov 17, 2021 · Amount on File
Deed Document Number	202110126
Deed Book / Page	460 / 778
Prior Transfer Date	Nov 15, 2021
Prior Transfer Doc	0021010126
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	409 HORTON ST, DECHERD, TN 37324-3335
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HORTON ST, DECHERD, TN 37324-3335

Mortgage

Document Number	0025006206
Date	Sep 17, 2025
Book Page	T1585/571
Instrument	25006206

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	315 Months
Due	Dec 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN TN
Recording Date	Nov 17, 2021
Property Address	409 HORTON ST, DECHERD, TN 37324-3335
Document Number	0021010126
Book / Page	D0460 / 778
Instrument Date	Nov 15, 2021
Instrument	21010126
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HORTON ST, DECHERD, TN 37324-3335

Mortgage

Document Number	0021010127
Date	Nov 17, 2021
Instrument	21010127

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Nov 17, 2021
Property Address	409 HORTON ST, DECHERD, TN 37324-3335
Document Number	0021010125
Book / Page	D0460 / 776
Instrument Date	Nov 15, 2021
Instrument	21010125
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HORTON ST, DECHERD, TN 37324-3335
Investor	Possibly a Property Investor

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		$31,300 Land $7,100 Building $24,200
2023		$31,000 Land $7,100 Building $23,900
2022	$807.00		$125,200 Land $28,400 Building $96,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Horton St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
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 409 Horton St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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