4285 Warren Rd, Oakland, TN 38060 Property Records

Fayette County property record for 4285 Warren Rd, Oakland, TN 38060

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,271 sqft · built 1977
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Oct 2020)
Tax Bill	$262 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`108-020.02`

Property Details

APN / Parcel Number

Primary APN	`108-020.02`
Alternative APNs	`0810810802002` `024108 02002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,271 sqft Living Area
1st Floor Area	1,271 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	294 sqft
Carport	Carport
Carport Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	4285 WARREN RD
City	OAKLAND
State	TN
Zip	38060-4316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 08, COUNTY AREA: L50 1 ADDITIONAL MOBILE HOME
Jurisdiction	FAYETTE TN
Township / Civil Division	6
Census Block Group	1
Census Block	1030
Census Tract	60501

Owner

4285 Warren Rd is owned and occupied by an individual who bought it in October 2020.

Source: Fayette County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	4285 WARREN RD, OAKLAND, TN 38060-4316
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
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	Sep 17, 1999 · Amount on File
Deed Document Number	20208291
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	0000008291
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Property Address	4285 WARREN RD, OAKLAND, TN 38060-4316
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000951
Date	Feb 7, 2022
Instrument	22000951

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE TN
Property Address	4285 WARREN RD, OAKLAND, TN 38060-4316
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	ERICKSON TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005531
Date	Sep 7, 2017
Instrument	17005531

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank
Address	DYERSBURG, TN 38024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAYETTE TN
Recording Date	Oct 20, 2020
Property Address	4285 WARREN RD, OAKLAND, TN 38060-4316
Document Number	0000008291
Instrument Date	Oct 16, 2020
Instrument	20008291
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.60
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 WARREN RD, OAKLAND, TN 38060-4316

Mortgage

Document Number	0000008292
Date	Oct 20, 2020
Instrument	20008292

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	3.67%
Type Change Date	Nov 1, 2023
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	6.17%
Index	3-Year CMT
Max Rate	13.6%

Tax Assessment & Valuation

The 2025 property tax bill for 4285 Warren Rd was $262, down 4.7% from the year before.

Source: Fayette County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$262.00 (-4.73%)	$28,100 Land $11,700 Building $16,400	$112,400 Land $46,800 Building $65,600
2024	$275.00
2023		$21,275 Land $9,125 Building $12,150
2021			$85,100 Land $36,500 Building $48,600

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 4285 Warren Rd 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	2 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 4285 Warren Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 61% of Tennessee
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Warren Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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