3875 Keith Cove Rd, Winchester, TN 37398 Property Records

Franklin County property record for 3875 Keith Cove Rd, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,904 sqft · built 2024
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (May 2023)
Tax Bill	$1,616 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026098 00807`

Property Details

APN / Parcel Number

Primary APN	`026098 00807`
Alternative APN	`098 00807`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,904 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	1,980 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3875 KEITH COVE RD
City	WINCHESTER
State	TN
Zip	37398-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 10, COUNTY AREA: R03
Jurisdiction	FRANKLIN TN
Township / Civil Division	4
Census Block Group	1
Census Block	1155
Census Tract	960600

Owner

3875 Keith Cove Rd is owned and occupied by an individual who bought it in May 2023.

Source: Franklin County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3875 KEITH COVE RD, WINCHESTER, TN 37398-2816
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS TRI-COUNTY BANK
May 18, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Deed Document Number	23003061
Deed Book / Page	D476 / 244
Record Updated	Jun 8, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	3875 KEITH COVE RD, WINCHESTER, TN 37398-2816
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3875 KEITH COVE RD, WINCHESTER, TN 37398-2816

Mortgage

Document Number	0025000343
Date	Jan 17, 2025
Book Page	T1554/338
Instrument	25000343

Lender

Name	CITIZENS TRI-COUNTY BANK
Type	Bank
Address	15699 RANKIN AVE, DUNLAP, TN 37327

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 18, 2023
Property Address	3875 KEITH COVE RD, WINCHESTER, TN 37398-2816
Document Number	0023003061
Book / Page	D476 / 244
Instrument Date	May 16, 2023
Instrument	23003061
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	METROPOLITAN ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ALLEN ST E, COWAN, TN 37318-3235

Mortgage

Document Number	0023003062
Date	May 18, 2023
Book Page	T1487/459
Instrument	23003062

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3875 Keith Cove Rd was $1,616.

Source: Franklin County assessment roll, as of May 20, 2025

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	$1,616.00	$81,000 Land $9,250 Building $71,750
2023		$9,250 Land $9,250
2022	$173.00		$324,000 Land $37,000 Building $287,000

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 3875 Keith Cove Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1993–2011)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 3875 Keith Cove Rd is low, with a 0.03% annual chance of 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	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.

Drinking Water

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

Water System	COWAN B.P.U. serves 2,550 people · EPA ID TN0000146
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2025
Lead	1 ppb (2023–2025) 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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