546 Rutledge Ford Rd, Decherd, TN 37324 Property Records

Franklin County property record for 546 Rutledge Ford Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,152 sqft · built 1988
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2021)
Tax Bill	$716 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026029 02905`

Property Details

APN / Parcel Number

Primary APN	`026029 02905`
Alternative APN	`029 02905`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Lot Dimensions	252 ft deep x 138 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,260 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	96 sqft
Patio Area	96 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	546 RUTLEDGE FORD RD
City	DECHERD
State	TN
Zip	37324-4647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09, COUNTY AREA: R02
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1013
Census Tract	960100

Owner

Source: Franklin County records · APN 026029 02905

Assessment roll updated January 27, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Warranty Deed, Transfer · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Nov 22, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST VISION BK/TN-FRANKLIN CN
Mar 29, 2019	Deed of Trust, Mortgage · Line of Credit FIRST VISION BK/TN-FRANKLIN CN
Jun 18, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Prior Sale	Feb 06, 2002 · Amount on Record
Deed Document Number	20215255
Deed Book / Page	455 / 416
Last Transfer Date	Jun 29, 2023
Transfer Doc	0023003988
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jun 14, 2021
Property Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647
Document Number	0021005255
Book / Page	D0455 / 416
Instrument Date	Jun 07, 2021
Instrument	21005255
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	SOUTHERN TENNESSEE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647

Mortgage

Document Number	0021005256
Date	Jun 14, 2021
Instrument	21005256

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647
Document Number	0000007450
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 RUTLEDGE FORD RD DECHERD TN 373244647, DECHERD, TN 37324-4647

Mortgage

Document Number	0000007450
Date	Dec 02, 2019
Book Page	001309/000149
Instrument	7450

Lender

Name	FIRST VISION BK/TN-FRANKLIN CN
Address	DECHERD, TN 37324

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647
Document Number	0000001861
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 RUTLEDGE FORD RD DECHERD TN 373244647, DECHERD, TN 37324-4647

Mortgage

Document Number	0000001861
Date	Apr 03, 2019
Book Page	001282/000788
Instrument	1861

Lender

Name	FIRST VISION BK/TN-FRANKLIN CN
Address	DECHERD, TN 37324

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Jun 18, 2018
Property Address	546 RUTLEDGE FORD RD, DECHERD, TN 37324-4647
Document Number	0000003701
Book / Page	000428 / 000763
Instrument Date	Apr 25, 2018
Instrument	3701
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.48
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 RUTTEDGE FORD RD DECHERD TN 37324, DECHERD, TN 37324

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated January 27, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$716.00 (+6.39%)	$35,875 (-) Land $5,300 Building $30,575
2023		$35,875 Land $5,300 Building $30,575
2022	$673.00		$143,500 Land $21,200 Building $122,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 23, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Point Broadband Fiber Holding Fixed Wireless	10 / 1

May also be available: T-Mobile USA.

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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