530 Spring St, Decherd, TN 37324 Property Records

Franklin County property record for 530 Spring St, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,376 sqft · built 1900
Lot Size	0.611 acres (26,625 sqft)
Owner	2 Individual Names on File
Last Sale	$32,395 (Dec 2018)
Tax Bill	$570 (2022)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026056N A 00500`

Property Details

APN / Parcel Number

Primary APN	`026056N A 00500`
Alternative APN	`056N A 00500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,625 sqft (0.611 acres)
Lot Dimensions	355 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	402 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	530 SPRING ST
City	DECHERD
State	TN
Zip	37324-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 20, COUNTY AREA: D04
Jurisdiction	FRANKLIN TN
Township / Civil Division	8
Census Block Group	1
Census Block	1017
Census Tract	960600

Owner

530 Spring St is owned and occupied by two individuals who bought it in December 2018.

Source: Franklin County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	530 SPRING ST, DECHERD, TN 37324-3101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · FHA Mortgage CITIZENS TRI-COUNTY BANK
Dec 2, 2019	Loan Modification, Mortgage · Conventional Mortgage CITIZENS TRI-CNTY BK
Dec 11, 2018	Warranty Deed, Transfer · Commercial Mortgage CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Document Number	20187746
Deed Book / Page	433 / 161
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	530 SPRING ST, DECHERD, TN 37324-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006860
Date	Sep 28, 2020
Book Page	T1348/468
Instrument	20006860

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	DUNLAP, TN 37327

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	530 SPRING ST, DECHERD, TN 37324-3101
Document Number	0000007647
Instrument Date	Dec 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 SPRING ST DECHERD TN 373243101, DECHERD, TN 37324-3101

Mortgage

Document Number	0000007647
Date	Dec 9, 2019
Book Page	001310/000089
Instrument	7647

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	DECHERD, TN 37324

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 8, 2020

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Dec 11, 2018
Property Address	530 SPRING ST, DECHERD, TN 37324-3101
Document Number	0018007746
Book / Page	D0433 / 161
Instrument Date	Dec 10, 2018
Instrument	18007746
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	SOVEREIGN TITLE AND ESCROW L

Transaction

Amount	Amount on Record
Tax	$119.86
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 SPRING ST, DECHERD, TN 37324-3101

Mortgage

Document Number	0018007747
Date	Dec 11, 2018
Instrument	18007747

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 10, 2019

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		$21,900 Land $2,075 Building $19,825
2023		$21,900 Land $2,075 Building $19,825
2022	$570.00		$87,600 Land $8,300 Building $79,300

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

Flood

FEMA maps place 530 Spring St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1993–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 530 Spring 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 93% of the US · lower than 93% 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 31 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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