421 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 421 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,752 sqft · built 1990
Lot Size	0.488 acres (21,300 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (Oct 2023)
Tax Bill	$3,789 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Oct 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`026053J A 03500`

Property Details

APN / Parcel Number

Primary APN	`026053J A 03500`
Alternative APN	`053J A 03500`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,752 sqft Living Area
1st Floor Area	2,143 sqft
Basement Area	1,954 sqft
Finished Basement	1,609 sqft
Unfinished Basement	345 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,300 sqft (0.488 acres)
Lot Dimensions	213 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	891 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	264 sqft
Deck Area	500 sqft
Patio Area	644 sqft
Utility Building	120 sqft
Boat Access	Boat Access
Boat House	580 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	421 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3817
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	85
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	421 BLUFF DR, WINCHESTER, TN 37398-3817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Oct 4, 2023	Warranty Deed, Transfer · Line of Credit OAKWORTH CAPITAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	Nov 23, 2004 · Amount on Record
Deed Document Number	23006094
Deed Book / Page	D479 / 727
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	421 BLUFF DR, WINCHESTER, TN 37398-3817
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0025004295
Date	Jun 30, 2025
Book Page	T1575/38
Instrument	25004295

Lender

Name	PINNACLE BANK
Type	Bank
Address	21 PLATFORM WAY S STE 2300, NASHVILLE, TN 37203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Oct 4, 2023
Property Address	421 BLUFF DR, WINCHESTER, TN 37398-3817
Document Number	0023006094
Book / Page	D479 / 727
Map Reference	ENV 191A&B
Instrument Date	Sep 3, 2023
Instrument	23006094
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	PHENIX TITLE SERVICES LLC, PHOENIX TITLE SERVICES LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 BLUFF DR, WINCHESTER, TN 37398-3817
Investor	Possibly a Property Investor

Mortgage

Document Number	0023006095
Date	Oct 4, 2023
Instrument	23006095

Lender

Name	OAKWORTH CAPITAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,789.00 (+6.08%)	$189,875 (-0.33%) Land $106,250 Building $83,625
2023		$190,500 (-) Land $106,250 Building $84,250
2022	$3,572.00	$190,500 Land $106,250 Building $84,250	$759,500 (-0.33%) Land $425,000 Building $334,500
2021			$762,000 Land $425,000 Building $337,000

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

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

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 14 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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