Franklin County property record for 45 Francis Rd, Decherd, TN 37324
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,421 sqft · built 1998 |
| Lot Size | 0.489 acres (21,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Feb 2016) |
| Tax Bill | $902 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 026056 01503 |
| Primary APN | 026056 01503 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 1,421 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,344 sqft (0.489 acres) |
| Lot Dimensions | 146 ft deep x 150 ft wide |
| Garage Type | Unfinished |
| Garage Area | 1,421 sqft |
| Parking Spaces | 5 Parking Spaces |
| Utility Building | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 FRANCIS RD |
|---|---|
| City | DECHERD |
| State | TN |
| Zip | 37324-3213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 20, COUNTY AREA: R04 |
| Legal Subdivision | FRANK M PARTIN |
| Jurisdiction | FRANKLIN TN |
| Township / Civil Division | 8 |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 960100 |
45 Francis Rd is owned and occupied by an individual who bought it in February 2016.
Source: Franklin County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 FRANCIS RD, DECHERD, TN 37324-3213 |
| 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 |
|---|---|
| May 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP |
| Jun 4, 2020 | Warranty Deed, Transfer · Line of Credit CITIZENS TRI-CNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2016 · Amount on File |
| Deed Sale | Feb 8, 2016 · Amount on File |
| Prior Sale | Jun 15, 2012 · Amount on File |
| Deed Document Number | 16000593 |
| Deed Book / Page | D409 / 602 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Property Address | 45 FRANCIS RD, DECHERD, TN 37324-3213 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0021004322 |
|---|---|
| Date | May 13, 2021 |
| Book Page | T1387/651 |
| Instrument | 21004322 |
| Name | GUARANTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT JULIET, TN 37122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jun 4, 2020 |
| Property Address | 45 FRANCIS RD, DECHERD, TN 37324-3213 |
| Document Number | 0000003470 |
| Book / Page | 000444 / 000107 |
| Instrument Date | May 26, 2020 |
| Instrument | 3470 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | METROPOLITAN ESCROW |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 FRANCIS RD DECHERD TN 373243213, DECHERD, TN 37324-3213 |
| Document Number | 6050 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 001344/000285 |
| Instrument | 6050 |
| Name | CITIZENS TRI-CNTY BK |
|---|---|
| Type | Bank |
| Address | DECHERD, TN 37324 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 3, 2030 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45 Francis Rd was $902.
Source: Franklin County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $902.00 | $45,200 Land $3,500 Building $41,700 | |
| 2023 | $44,650 Land $3,500 Building $41,150 | ||
| 2022 | $837.00 | $180,800 Land $14,000 Building $166,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Francis Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 Claims | 1 (1997) |
| Most Recent Claim | Feb 1997 · rainfall accumulation |
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 risk around 45 Francis Rd is low, with 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 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 |
| 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 36 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 |
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