195 Winding Way, Normandy, TN 37360 Property Records

Bedford County property record for 195 Winding Way, Normandy, TN 37360

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,132 sqft · built 2020
Lot Size	5.15 acres (224,334 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Mar 2022)
Tax Bill	$2,136 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Mar 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`002115 01715`

Property Details

APN / Parcel Number

Primary APN	`002115 01715`
Alternative APN	`115 01715`

Interior

Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,132 sqft Living Area
1st Floor Area	1,959 sqft
Upper Floors Area	575 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Lot Area	224,334 sqft (5.15 acres)
Garage Type	Finished
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	375 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	195 WINDING WAY
City	NORMANDY
State	TN
Zip	37360-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 25, COUNTY AREA: H05
Jurisdiction	BEDFORD TN
Township / Civil Division	5
Census Block Group	2
Census Block	2083
Census Tract	950800

Owner

Source: Bedford County records, as of July 20, 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	195 WINDING WAY, NORMANDY, TN 37360-9517
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 25, 2022	Warranty Deed, Transfer GATEWAY TITLE SERVICES LLC
Dec 28, 2020	Deed of Trust, Mortgage FIRST VISION BK/TN
Dec 14, 2020	Loan Modification, Mortgage · Line of Credit FIRST VISION BK/TN-MANCHESTER
Aug 14, 2020	Loan Modification, Mortgage FIRST VISION BK/TN-MANCHESTER
Jan 16, 2020	Warranty Deed, Transfer · Line of Credit FIRST VISION BK/TN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	Jan 16, 2020 · Amount on File
Deed Document Number	20222558
Deed Book / Page	372 / 504
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD TN
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 WINDING WAY, NORMANDY, TN 37360-9517

Mortgage

Document Number	0TD1042461
Date	Feb 14, 2022
Book Page	TD1042/461
Instrument	22001336

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	Mar 25, 2022
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Document Number	000D372504
Book / Page	D372 / 504
Instrument Date	Mar 24, 2022
Instrument	22002558
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	GATEWAY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$1,961.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 WINDING WAY, NORMANDY, TN 37360-9517

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD TN
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Document Number	D117
Instrument Date	Dec 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 WINDING WAY NORMANDY TN 373609517, NORMANDY, TN 37360-9517

Mortgage

Document Number	D117
Date	Jan 5, 2021
Book Page	000989/000981
Instrument	117

Lender

Name	FIRST VISION BK/TN
Type	Bank
Address	MURFREESBORO, TN 37130

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2051

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEDFORD TN
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Document Number	D9978
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	195 WINDING WAY NORMANDY TN 373609517, NORMANDY, TN 37360-9517

Mortgage

Document Number	D9978
Date	Dec 17, 2020
Book Page	000987/000854
Instrument	9978

Lender

Name	FIRST VISION BK/TN-MANCHESTER
Address	MANCHESTER, TN 37355

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BEDFORD TN
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Document Number	D6175
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	499 INDIAN SPRINGS CIR MANCHESTER TN 373558460, MANCHESTER, TN 37355-8460

Mortgage

Document Number	D6175
Date	Aug 14, 2020
Book Page	000972/000699
Instrument	6175

Lender

Name	FIRST VISION BK/TN-MANCHESTER
Address	MANCHESTER, TN 37355

Agreement

Amount	Amount on Record

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	Jan 16, 2020
Property Address	195 WINDING WAY, NORMANDY, TN 37360-9517
Document Number	D445
Book / Page	000355 / 000368
Instrument Date	Jan 14, 2020
Instrument	445
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	METROPOLITAN ESCROW

Transaction

Amount	Amount on Record
Tax	$196.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	499 INDIAN SPRINGS CIR MANCHESTER TN 373558460, MANCHESTER, TN 37355-8460

Mortgage

Document Number	D446
Date	Jan 16, 2020
Book Page	000952/000172
Instrument	446

Lender

Name	FIRST VISION BK/TN
Type	Bank
Address	MANCHESTER, TN 37355

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Bedford County
Unified School District	Bedford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,136.00	$91,850 (-) Land $13,150 Building $78,700
2023		$91,850 Land $13,150 Building $78,700
2021			$367,400 Land $52,600 Building $314,800

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 August 2, 2007 · 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	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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
United Communications Fiber	8,000 / 8,000
Starlink Satellite	280 / 30

Cell Coverage

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

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