496 Cedar Mountain Pl, Decherd, TN 37324 Property Records

Franklin County property record for 496 Cedar Mountain Pl, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,480 sqft · built 1984
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Apr 2019)
Tax Bill	$976 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Aug 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026048 01017`

Property Details

APN / Parcel Number

Primary APN	`026048 01017`
Alternative APN	`048 01017`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,480 sqft Living Area
1st Floor Area	1,480 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	432 sqft
Deck Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	496 CEDAR MOUNTAIN PL
City	DECHERD
State	TN
Zip	37324-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09, COUNTY AREA: R02
Legal Subdivision	CEDAR MOUNTAIN DEV
Legal Tract	21
Legal Lot Number	TR 21
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1070
Census Tract	960100

Owner

Source: Franklin County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Aug 13, 2020	Deed of Trust, Mortgage · Line of Credit FIRST VISION BANK OF TENNESSEE
Jun 11, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Apr 30, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NB OF MIDDLE TENNESSEE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Prior Sale	Sep 28, 2005 · Amount on Record
Deed Document Number	19002423
Deed Book / Page	D0435 / 725
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009

Mortgage

Document Number	0022006215
Date	Aug 2, 2022
Book Page	T1456/507
Instrument	22006215

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Aug 20, 2099

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.7%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005446
Date	Aug 13, 2020
Book Page	T1341/1
Instrument	20005446

Lender

Name	FIRST VISION BANK OF TENNESSEE
Type	Bank
Address	MANCHESTER, TN 37355

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009
Document Number	0000003851
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CEDAR MOUNTAIN PL DECHERD TN 373241009, DECHERD, TN 37324-1009

Mortgage

Document Number	0000003851
Date	Jun 19, 2020
Book Page	001332/000318
Instrument	3851

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 30, 2019
Property Address	496 CEDAR MOUNTAIN PL, DECHERD, TN 37324-1009
Document Number	0019002423
Book / Page	D0435 / 725
Instrument Date	Apr 25, 2019
Instrument	19002423
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$432.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CEDAR MOUNTAIN PLACE, FAYETTEVILLE, TN 37334

Mortgage

Document Number	0019002424
Date	Apr 30, 2019
Instrument	19002424

Lender

Name	FIRST NB OF MIDDLE TENNESSEE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$976.00 (+17.59%)	$48,900 (-) Land $11,075 Building $37,825
2023		$48,900 Land $11,075 Building $37,825
2022	$830.00		$195,600 Land $44,300 Building $151,300

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

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	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

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

Wildfire Risk	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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