95 Floyd Ln, Decherd, TN 37324 Property Records

Franklin County property record for 95 Floyd Ln, Decherd, TN 37324

Property Summary

Property Type	Rural Home
Details	3 ba · 1,823 sqft · built 2015
Lot Size	21 acres (915,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,117 (Aug 2013)
Tax Bill	$1,446 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026057 03409`

Property Details

APN / Parcel Number

Primary APN	`026057 03409`
Alternative APN	`057 03409`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,823 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	360 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	915,631 sqft (21 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	527 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Deck Area	110 sqft
Patio Area	600 sqft
Shed	1 Shed
Shed Area	1 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	95 FLOYD LN
City	DECHERD
State	TN
Zip	37324-4094
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 10 TRACT #9 GB 8/26/13 T1100 P326, COUNTY AREA: R02
Legal Tract	9
Jurisdiction	FRANKLIN TN
Township / Civil Division	6
Census Block Group	2
Census Block	2083
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	2 Individual Names on Record
Mailing Address	95 FLOYD LN, DECHERD, TN 37324-4094
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER
Feb 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Jan 29, 2018	Deed of Trust, Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2013 · Amount on Record
Deed Sale	Aug 5, 2013 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	20134312
Deed Book / Page	392 / 274
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Recording Date	May 4, 2026
Property Address	95 FLOYD LN, DECHERD, TN 37324-4094
Document Number	0000003213
Book / Page	1618 / 273
Instrument Date	Apr 29, 2026
Instrument	20263213
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 FLOYD LN, DECHERD, TN 37324-4094

Mortgage

Document Number	0000003213,
Date	May 4, 2026
Book Page	1618/273
Instrument	20263213

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2031

Interest

Rate	6.46%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	95 FLOYD LN, DECHERD, TN 37324-4094
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0018001186
Date	Feb 27, 2018
Book Page	T1245/232
Instrument	18001186

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank
Address	WINCHESTER, TN 37398

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	95 FLOYD LN, DECHERD, TN 37324-4094
Document Number	0000000666
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000666
Date	Feb 1, 2018
Book Page	001243/000050
Instrument	666

Lender

Name	CITIZENS CMNTY BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 31, 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	$1,446.00 (+6.4%) Additional exemption filed	$72,475 (-) Land $8,150 Building $64,325
2023		$72,475 Land $8,150 Building $64,325
2022	$1,359.00		$337,200 Land $79,900 Building $257,300

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Point Broadband Fixed Wireless · Fiber in parts of the area	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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