390 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 390 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,914 sqft · built 1993
Owner	2 Individual Names on File
Last Sale	$960,000 (May 2019)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Sep 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026053J A 02800`

Property Details

APN / Parcel Number

Primary APN	`026053J A 02800`
Alternative APN	`053J A 02800`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,914 sqft Living Area
1st Floor Area	3,914 sqft
Basement Area	1,957 sqft
Finished Basement	1,957 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Terrain	Rolling
Garage Type	Finished
Garage Area	837 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	400 sqft
Deck Area	184 sqft
Patio Area	472 sqft
Utility Building	1 sqft
Boat Access	Boat Access
Boat House	556 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	390 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3818
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	28
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

Source: Franklin County records, as of January 26, 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	390 BLUFF DR, WINCHESTER, TN 37398-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
May 13, 2019	Warranty Deed, Transfer · ARM REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Prior Sale	Jul 24, 2014 · Amount on File
Deed Document Number	19002712
Deed Book / Page	D0436 / 136
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	390 BLUFF DR, WINCHESTER, TN 37398-3818
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006509
Date	Sep 17, 2020
Book Page	T1346/590
Instrument	20006509

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	May 13, 2019
Property Address	390 BLUFF DR, WINCHESTER, TN 37398-3818
Document Number	0019002712
Book / Page	D0436 / 136
Map Reference	ENV 191A&B
Instrument Date	May 9, 2019
Instrument	19002712
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	DLO TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,552.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 BLUFF DR, WINCHESTER, TN 37398-3818

Mortgage

Document Number	0019002713
Date	May 13, 2019
Instrument	19002713

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

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	$4,333.00 (+6.23%)	$217,150 (-) Land $100,000 Building $117,150
2023		$217,150 Land $100,000 Building $117,150
2022	$4,079.00		$868,600 Land $400,000 Building $468,600

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 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 100 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.3% 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.

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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