Fayette County property record for 45 Cypress Point Rd, Oakland, TN 38060
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,250 sqft · built 2020 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $269,900 (Apr 2020) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage Sep 2019 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 024107A A 06800 |
| Primary APN | 024107A A 06800 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,250 sqft Living Area |
| 1st Floor Area | 1,907 sqft |
| Upper Floors Area | 343 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Terrain | Rolling |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 CYPRESS POINT RD |
|---|---|
| City | OAKLAND |
| State | TN |
| Zip | 38060-4662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE FIELDS-HIDDEN SPRINGS 130 SECTION B |
| Legal Subdivision | THE FIELDS-HIDDEN SPRINGS |
| Legal Lot Number | 130 |
| Jurisdiction | FAYETTE TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 60404 |
45 Cypress Point Rd is owned and occupied by an individual who bought it in April 2020.
Source: Fayette County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| 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.
| Date | Document |
|---|---|
| Apr 17, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage USAA |
| Sep 10, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage PARAGON BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2020 · Amount on File |
| Deed Sale | Apr 17, 2020 · Amount on File |
| Prior Sale | Aug 1, 2016 · Amount on File |
| Deed Document Number | 20002650 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FAYETTE TN |
| Recording Date | Apr 17, 2020 |
| Property Address | 45 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Document Number | 0000002650 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 2650 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | MEMPHIS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $999.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CYPRESS POINT RD OAKLAND TN 38060, OAKLAND, TN 38060 |
| Investor | Possibly a Property Investor |
| Document Number | 2651 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 2651 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FAYETTE TN |
| Recording Date | Sep 10, 2019 |
| Property Address | 45 CYPRESS POINT RD, OAKLAND, TN 38060-4662 |
| Instrument Date | Sep 4, 2019 |
| Instrument | 5536 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 19, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3420 S HOUSTON LEVEE RD GERMANTOWN TN 381398017, GERMANTOWN, TN 38139-8017 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005536 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 5536 |
| Name | PARAGON BK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 9, 2020 |
| Rate Type | Adjustable Rate |
|---|
Source: Fayette County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Fayette County |
| Municipality | Oakland Town |
| Unified School District | Fayette County School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $95,875 Land $12,500 Building $83,375 | $383,500 Land $50,000 Building $333,500 |
| 2023 | $68,550 Land $8,750 Building $59,800 | |
| 2021 | $274,200 Land $35,000 Building $239,200 |
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.
FEMA maps place 45 Cypress Point Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 31, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 45 Cypress Point Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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