354 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 354 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,171 sqft · built 2018
Lot Size	0.199 acres (8,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,208 (May 2018)
Tax Bill	$4,036 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`089P-D-004.00-000`

Property Details

APN / Parcel Number

Primary APN	`089P-D-004.00-000`
Alternative APNs	`094089P D 00400` `1096066`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,171 sqft Living Area
Gross Area	3,699 sqft
1st Floor Area	2,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,667 sqft (0.199 acres)
Lot Dimensions	147 ft deep x 58.6 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Driveway Area	500 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	354 RIVER BLUFF DR
City	FRANKLIN
State	TN
Zip	37064-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD RIVERBLUFF SEC1 PB 62 PG 144 LOT 0072 SUBD RIVERBLUFF SEC 1 PB 70 PG 25 LOT 0072
Legal Subdivision	RIVERBLUFF
Legal Lot Number	0072
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	2
Census Block	2006
Census Tract	50908

Owner

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	2 Individual Names on Record
Mailing Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN SYNERGY BANK
May 31, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FRANKLIN SYNERGY BANK
Mar 8, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Deed Document Number	201820645
Deed Book / Page	7376 / 361
Last Transfer Date	Mar 29, 2021
Transfer Doc	0085010843
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655

Mortgage

Document Number	0089780417
Date	Apr 22, 2022
Book Page	8978/417
Instrument	22018401

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WILLIAMSON TN
Recording Date	Apr 6, 2021
Property Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Document Number	0085010843
Book / Page	8501 / 843
Map Reference	MB P62 PG 144
Instrument Date	Mar 29, 2021
Instrument	21020886
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655

Mortgage

Document Number	0021020887
Date	Apr 6, 2021
Instrument	21020887

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0076230933
Date	May 14, 2019
Book Page	7623/0933
Instrument	19017128

Lender

Name	FRANKLIN SYNERGY BANK
Type	Bank
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	May 31, 2018
Property Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Document Number	0073760361
Book / Page	7376 / 0361
Map Reference	MB P62 PG144
Instrument Date	May 25, 2018
Instrument	18020645
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE SOUTH INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,998.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655

Mortgage

Document Number	0018020646
Date	May 31, 2018
Instrument	18020646

Lender

Name	FRANKLIN SYNERGY BANK
Type	Bank

Agreement

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

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Mar 8, 2017
Property Address	354 RIVER BLUFF DR, FRANKLIN, TN 37064-1655
Document Number	0070230741
Book / Page	00702 / 000741
Instrument Date	Feb 23, 2017
Instrument	9313
Transaction Type	Construction Loan
Record Updated	Aug 16, 2018
Title Company	LAND TITLE SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7123 CROSSROADS BLVD BRENTWOOD TN 370272877, BRENTWOOD, TN 37027-2877
Investor	Possibly a Property Investor

Mortgage

Document Number	70230741
Date	Mar 8, 2017
Book Page	007023/000741
Instrument	9313

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 7, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Williamson County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Williamson County
Municipality	Franklin City
Unified School District	Williamson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,036.00 (+29.32%)	$257,750 (+78.03%) Land $62,500 Building $195,250	$1,031,000 (+78.03%) Land $250,000 Building $781,000
2024	$3,121.00
2023	$3,121.00	$144,775 (-) Land $34,375 Building $110,400	$579,100 (-) Land $137,500 Building $441,600
2022	$3,121.00	$144,775 Land $34,375 Building $110,400	$579,100 Land $137,500 Building $441,600

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 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	8 (2003–2026)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 6 claims

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 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FRANKLIN WATER DEPT serves 77,222 people · EPA ID TN0000246
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: United Communications.

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