711 Garner Ln, Decherd, TN 37324 Property Records

Franklin County property record for 711 Garner Ln, Decherd, TN 37324

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,400 sqft · built 2017
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (May 2026)
Tax Bill	$1,040 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`026038 03607`

Property Details

APN / Parcel Number

Primary APN	`026038 03607`
Alternative APN	`038 03607`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	1,200 sqft
Upper Floors Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,431 sqft (1.02 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	224 sqft
Patio Area	224 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	711 GARNER LN
City	DECHERD
State	TN
Zip	37324-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	1
Census Block	1066
Census Tract	960100

Owner

Source: Franklin County records, as of May 19, 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	711 GARNER LN, DECHERD, TN 37324-4630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 18, 2025	Deed of Trust, Mortgage · Line of Credit ASCEND FCU
May 8, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-COUNTY BANK
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIZENS TRI-COUNTY BANK
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIZENS TRI-COUNTY BANK
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Deed Document Number	20263177
Deed Book / Page	504 / 731
Prior Transfer Date	Apr 30, 2026
Prior Transfer Doc	0000003177
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022001028
Date	Feb 3, 2022
Book Page	T1430/371
Instrument	22001028

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Transaction Type	Mortgage
Record Updated	May 20, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025004780
Date	Jul 18, 2025
Book Page	T1577/776
Instrument	25004780

Lender

Name	ASCEND FCU
Type	Credit Union
Address	520 AIRPARK DR, TULLAHOMA, TN 37388

Agreement

Type	Line of Credit
Term	240 Months
Due	Jul 17, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Transaction Type	Mortgage
Record Updated	May 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024002680
Date	May 8, 2024
Book Page	T1524/226
Instrument	24002680

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2034

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Recording Date	May 1, 2026
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Document Number	0000003178
Book / Page	1618 / 112
Instrument Date	Apr 30, 2026
Instrument	20263178
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	711 GARNER LN, DECHERD, TN 37324-4630

Mortgage

Document Number	0000003178,
Date	May 1, 2026
Book Page	1618/112
Instrument	20263178

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 1, 2026
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Document Number	0000003177
Book / Page	504 / 731
Instrument Date	Apr 30, 2026
Instrument	2026.3177
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	A PLUS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123,321.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 GARNER LN, DECHERD, TN 37324-4630

Mortgage

Document Number	0000003178,
Date	May 1, 2026
Instrument	2026..3178

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 1, 2026
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Document Number	0026003177
Book / Page	504 / 731
Instrument Date	Apr 30, 2026
Instrument	20263177
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	A PLUS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123,321.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 GARNER LN, DECHERD, TN 37324-4630

Mortgage

Document Number	0000003178,
Date	May 1, 2026
Instrument	20263178

Lender

Name	CITIZENS TRI-COUNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	711 GARNER LN, DECHERD, TN 37324-4630
Document Number	0000001177
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 GARNER LN DECHERD TN 373244630, DECHERD, TN 37324-4630

Mortgage

Document Number	0000001177
Date	Feb 26, 2020
Book Page	001318/000001
Instrument	1177

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 25, 2040

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	$1,040.00 (+6.45%)	$52,100 (-) Land $4,550 Building $47,550
2023		$52,100 Land $4,550 Building $47,550
2022	$977.00		$208,400 Land $18,200 Building $190,200

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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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
Point Broadband Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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