Franklin County property record for 786 E Roarks Cove Rd, Decherd, TN 37324
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,026 sqft · built 1950 |
| Lot Size | 5.36 acres (233,482 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $207,246 (Sep 2018) |
| Tax Bill | $883 (2025) |
| Deeds & Mortgages | Oct 2018 Loan Modification Sep 2018 Sale & Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026039 01401 |
| Primary APN | 026039 01401 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,026 sqft Living Area |
| 1st Floor Area | 2,026 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Concrete |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 233,482 sqft (5.36 acres) |
| Terrain | Rolling |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 281 sqft |
| Shed | 1 Shed |
| Shed Area | 420 sqft |
| Pole Barn | 1,800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 786 E ROARKS COVE RD |
|---|---|
| City | DECHERD |
| State | TN |
| Zip | 37324-4805 |
| 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 | 1056 |
| Census Tract | 960100 |
786 E Roarks Cove Rd is owned and occupied by two individuals who bought it in September 2018.
Source: Franklin County records, as of January 26, 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 | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2018 | Loan Modification, Mortgage · Conventional Mortgage CITIZENS CMNTY BK |
| Sep 19, 2018 | Warranty Deed, Construction Loan · Construction Mortgage CITIZENS COMMUNITY BANK |
| Jul 28, 2017 | Warranty Deed, Transfer · Line of Credit FARM CREDIT SVCS |
| Jul 26, 2017 | Warranty Deed, Transfer CITIZENS CMNTY BK |
| Jul 28, 2017 | Quit Claim Deed, Transfer · Line of Credit FARM CREDIT SVCS |
| Jul 26, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2018 · Amount on File |
| Deed Sale | Sep 19, 2018 · Amount on File |
| Prior Sale | Jul 28, 2017 · Amount on File |
| Deed Document Number | 18005942 |
| Deed Book / Page | D0431 / 287 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0000006472 |
| Instrument Date | Oct 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 786 E ROARKS COVE RD DECHERD TN 373244805, DECHERD, TN 37324-4805 |
| Document Number | 0000006472 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 001267/000554 |
| Instrument | 6472 |
| Name | CITIZENS CMNTY BK |
|---|---|
| Type | Bank |
| Address | WINCHESTER, TN 37398 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Oct 9, 2021 |
| Rate | 6.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Sep 19, 2018 |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0018005942 |
| Book / Page | D0431 / 287 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 18005942 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 4, 2022 |
| Title Company | SOUTHERN TENNESSEE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $766.81 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0018005943 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 18005943 |
| Name | CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 8 Months |
| Due | Apr 30, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jul 28, 2017 |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0000004523 |
| Book / Page | 000421 / 000326 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 4523 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2019 |
| Title Company | METROPOLITAN ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,005.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | 507 GUM CREEK RD DECHERD TN 373244314, DECHERD, TN 37324-4314 |
| Document Number | 4524 |
|---|---|
| Date | Jul 28, 2017 |
| Book Page | 001225/000228 |
| Instrument | 4524 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 27, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jul 26, 2017 |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0000004457 |
| Book / Page | 000421 / 000257 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 4457 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2018 |
| Title Company | SOVEREIGN TITLE AND ESCROW LLC, SOVEREIGN TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $351.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 786 E ROARKS COVE RD DECHERD TN 373244805, DECHERD, TN 37324-4805 |
| Document Number | 4458 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 001224/000790 |
| Instrument | 4458 |
| Name | CITIZENS CMNTY BK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jul 28, 2017 |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0000004520 |
| Book / Page | 000421 / 000323 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 4520 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2017 |
| Title Company | METROPOLITAN ESCROW |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 136 WYNNWOOD DR FRANKLIN VA 238511354, FRANKLIN, VA 23851-1354 |
| Document Number | 0000004524 |
|---|---|
| Date | Jul 28, 2017 |
| Book Page | 001225/000228 |
| Instrument | 4524 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 27, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jul 26, 2017 |
| Property Address | 786 E ROARKS COVE RD, DECHERD, TN 37324-4805 |
| Document Number | 0000004456 |
| Book / Page | 000421 / 000255 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 4456 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 786 E ROARKS COVE RD DECHERD TN 373244805, DECHERD, TN 37324-4805 |
The 2025 property tax bill for 786 E Roarks Cove Rd was $883.
Source: Franklin County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $883.00 | $44,275 Land $10,425 Building $33,850 | |
| 2023 | $44,275 Land $10,425 Building $33,850 | ||
| 2022 | $830.00 | $177,100 Land $41,700 Building $135,400 |
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.
FEMA maps place 786 E Roarks Cove Rd in Zone X, an area of minimal flood risk.
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 risk around 786 E Roarks Cove Rd is low, with a 0.03% annual chance of 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 | 0.03% 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
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