Williamson County property record for 1309 Cottingham Dr, Franklin, TN 37067
| Property Type | Single Family Home |
|---|---|
| Details | 3,734 sqft · built 2008 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $725,000 (Jan 2021) |
| Tax Bill | $4,927 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 094080H E 03400 |
| Primary APN | 094080H E 03400 |
|---|
| Plumbing Fixtures | 15 Plumbing Fixtures |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,734 sqft Living Area |
| 1st Floor Area | 1,796 sqft |
| 2nd Floor Area | 1,938 sqft |
| Year Built | Built 2008 |
|---|---|
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 125 ft deep x 109 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Patio Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1309 COTTINGHAM DR |
|---|---|
| City | FRANKLIN |
| State | TN |
| Zip | 37067-8660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD MCKAYS MILL SEC 31 PB 46 PG 50 LOT 1177 HADDEN HALL AREA |
| Legal Subdivision | MCKAYS MILL |
| Legal Lot Number | 1177 |
| Jurisdiction | WILLIAMSON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 51001 |
Source: Williamson County records, as of December 22, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2026 | Deed of Trust, Mortgage · Commercial Mortgage PAMEAL RICHARDSON |
| May 11, 2022 | Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK |
| Jan 15, 2021 | Warranty Deed, Transfer · VA Mortgage FIRSTBANK |
| May 21, 2018 | Warranty Deed, Transfer · ARM TIAA FSB HOLDINGS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on Record |
| Deed Sale | Jan 15, 2021 · Amount on Record |
| Prior Sale | May 21, 2018 · Amount on Record |
| Deed Document Number | 21002770 |
| Deed Book / Page | 8378 / 470 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILLIAMSON TN |
| Property Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0099390858 |
|---|---|
| Date | Feb 5, 2026 |
| Book Page | 9939/858 |
| Instrument | 26003867 |
| Name | PAMEAL RICHARDSON |
|---|---|
| Type | Private Party |
| Address | 935 RUBY ST, BLAINE, WA 98230 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILLIAMSON TN |
| Property Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0089980414 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 8998/414 |
| Instrument | 22021800 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WILLIAMSON TN |
| Recording Date | Jan 15, 2021 |
| Property Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0083780470 |
| Book / Page | 8378 / 470 |
| Map Reference | MB 4462 PG 653 |
| Instrument Date | Jan 6, 2021 |
| Instrument | 21002770 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CHAPMAN AND ROSENTHAL TITLE INC, CHAPMAN & ROSENTHAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,682.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0021002771 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 21002771 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WILLIAMSON TN |
| Recording Date | May 21, 2018 |
| Property Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0073670289 |
| Book / Page | 7367 / 0289 |
| Map Reference | MB P46 PG50 |
| Instrument Date | May 18, 2018 |
| Instrument | 18018976 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CHAPMAN & ROSENTHAL TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1309 COTTINGHAM DR, FRANKLIN, TN 37067-8660 |
| Document Number | 0018018977 |
|---|---|
| Date | May 21, 2018 |
| Instrument | 18018977 |
| Name | TIAA FSB HOLDINGS INC |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
Source: Williamson County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Williamson County |
| Municipality | Franklin City |
| Elementary School District | Franklin Special School District (PK - 08) |
| Secondary School District | Williamson County School District in Franklin (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,927.00 (-42.95%) | $238,800 (+56.56%) Land $48,750 Building $190,050 | $955,200 (+56.56%) Land $195,000 Building $760,200 |
| 2024 | $8,636.00 (+108.1%) | ||
| 2023 | $4,150.00 | $152,525 (-) Land $25,000 Building $127,525 | $610,100 (-) Land $100,000 Building $510,100 |
| 2022 | $4,150.00 | $152,525 Land $25,000 Building $127,525 | $610,100 Land $100,000 Building $510,100 |
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.
Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MILCROFTON UTILITY DISTRICT serves 38,032 people · EPA ID TN0000247 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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