131 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 131 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	5 ba · 5,288 sqft · built 2024
Lot Size	1.1 acres (48,316 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Apr 2023)
Tax Bill	$7,732 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`026053J A 04700`

Property Details

APN / Parcel Number

Primary APN	`026053J A 04700`
Alternative APN	`053J A 04700`

Interior

Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	5,288 sqft Living Area
1st Floor Area	1,140 sqft
Upper Floors Area	728 sqft
Basement Area	1,820 sqft
Finished Basement	1,820 sqft
Unfinished Basement	1,820 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,316 sqft (1.1 acres)
Lot Dimensions	257 ft deep x 188 ft wide
Terrain	Rolling
Garage Type	Unfinished
Garage Area	728 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	600 sqft
Deck Area	20 sqft
Patio Area	272 sqft
Boat Access	Boat Access
Boat House	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	131 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: L07
Legal Subdivision	HOPKINS POINT PH I
Legal Lot Number	96
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

131 Bluff Dr is owned and occupied by two individuals who bought it in April 2023.

Source: Franklin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 BLUFF DR, WINCHESTER, TN 37398-3816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Apr 27, 2023	Warranty Deed, Transfer · Line of Credit BANK OF LINCOLN COUNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Aug 5, 2019 · Amount on File
Deed Document Number	20232558
Deed Book / Page	475 / 659
Prior Transfer Date	May 15, 2013
Prior Transfer Doc	0013002710
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	131 BLUFF DR, WINCHESTER, TN 37398-3816
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021009824
Date	Nov 8, 2021
Book Page	T1416/536
Instrument	21009824

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 27, 2023
Property Address	131 BLUFF DR, WINCHESTER, TN 37398-3816
Document Number	0023002558
Book / Page	D475 / 659
Map Reference	ENV 191A&B
Instrument Date	Apr 25, 2023
Instrument	23002558
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ALL TITLE AND ESCROW LLC, A PLUS TITLE AND ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 BLUFF DR, WINCHESTER, TN 37398-3816
Investor	Possibly a Property Investor

Mortgage

Document Number	0023002559
Date	Apr 27, 2023
Instrument	23002559

Lender

Name	BANK OF LINCOLN COUNTY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 131 Bluff Dr was $7,732.

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	$7,732.00	$387,500 Land $87,500 Building $300,000
2023		$133,650 Land $87,500 Building $46,150
2022	$2,991.00		$1,550,000 Land $350,000 Building $1,200,000

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

FEMA maps place 131 Bluff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 131 Bluff Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	0.02% 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 78 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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