565 E Roarks Cove Rd, Decherd, TN 37324 Property Records

Franklin County property record for 565 E Roarks Cove Rd, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 2018
Lot Size	7.5 acres (326,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (May 2007)
Tax Bill	$1,889 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026039 03901`

Property Details

APN / Parcel Number

Primary APN	`026039 03901`
Alternative APN	`039 03901`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	326,700 sqft (7.5 acres)
Garage Type	Finished
Garage Area	1,508 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	1,060 sqft
Shed	1 Shed
Shed Area	544 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	565 E ROARKS COVE RD
City	DECHERD
State	TN
Zip	37324-4829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 09 TRACT I, COUNTY AREA: R02
Legal Tract	I
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1057
Census Tract	960100

Owner

Source: Franklin County records, as of July 13, 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 Record
Mailing Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASCEND FCU
Dec 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS TRI-COUNTY BANK
May 30, 2019	Loan Modification, Mortgage · Conventional Mortgage CITIZENS TRI-CNTY BK
Jun 7, 2018	Loan Modification, Mortgage CITIZENS TRI-CNTY BK
Sep 11, 2017	Intrafamily Transfer, Transfer CITIZENS TRI-COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2007 · Amount on Record
Deed Sale	May 14, 2007 · Amount on Record
Prior Sale	May 26, 1988 · Amount on Record
Deed Book / Page	352 / 217
Last Transfer Date	Sep 7, 2017
Transfer Doc	0000005435
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021007947
Date	Sep 3, 2021
Book Page	T1406/677
Instrument	21007947

Lender

Name	ASCEND FCU
Type	Credit Union
Address	TULLAHOMA, TN 37388

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007463
Date	Dec 2, 2019
Book Page	T1309/201
Instrument	19007463

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	TULLAHOMA, TN 37388

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 25, 2039

Interest

Rate Type	Adjustable Rate

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Document Number	0000003140
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 E ROARKS COVE RD DECHERD TN 373244829, DECHERD, TN 37324-4829

Mortgage

Document Number	0000003140
Date	Jun 3, 2019
Book Page	001288/000590
Instrument	3140

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	TULLAHOMA, TN 37388

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 2, 2020

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Document Number	0000003488
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 WINDING WAY NORMANDY TN 373609517, NORMANDY, TN 37360-9517

Mortgage

Document Number	0000003488
Date	Jun 11, 2018
Book Page	001254/000510
Instrument	3488

Lender

Name	CITIZENS TRI-CNTY BK
Type	Bank
Address	TULLAHOMA, TN 37388

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 10, 2019

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN TN
Recording Date	Sep 11, 2017
Property Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829
Document Number	0017005435
Book / Page	D0422 / 193
Map Reference	MB 352 PG 217
Instrument Date	Sep 7, 2017
Instrument	17005435
Transaction Type	Transfer
Record Updated	Jul 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 E ROARKS COVE RD, DECHERD, TN 37324-4829

Mortgage

Document Number	0000005436
Date	Sep 11, 2017
Book Page	T1229/496
Instrument	17005436

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	TULLAHOMA, TN 37388

Agreement

Amount	Amount Recorded
Term	252 Months
Due	Sep 7, 2038

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of January 27, 2026

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	$1,889.00 (+8.5%)	$94,675 (-) Land $13,100 Building $81,575
2023		$94,675 Land $13,100 Building $81,575
2022	$1,741.00		$378,700 Land $52,400 Building $326,300

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

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	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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