431 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 431 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	3,410 sqft · built 2018
Lot Size	0.156 acres (6,837 sqft)
Owner	Individual Name on Record
Last Sale	$546,900 (Jul 2018)
Tax Bill	$3,944 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094089I D 00600`

Property Details

APN / Parcel Number

Primary APN	`094089I D 00600`

Interior

Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,410 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,837 sqft
Lot Dimensions	124 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	520 sqft
Driveway	Driveway
Driveway Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	431 RIVER BLUFF DR
City	FRANKLIN
State	TN
Zip	37064-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD RIVERBLUFF SEC2 PB 62 PG 145 LOT 0009 SUBD RIVERBLUFF SEC 2 PB 70 PG 24 LOT 0009
Legal Subdivision	RIVERBLUFF
Legal Lot Number	9
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MTG
Jul 12, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FRANKLIN SYNERGY BANK
Sep 11, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRSTBANK
Mar 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage JERRY W & LISA CARNES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Deed Document Number	18026938
Deed Book / Page	7410 / 0124
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0080780219
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	434 RIVER BLUFF DR FRANKLIN TN 37064, FRANKLIN, TN 37064

Mortgage

Document Number	0080780219
Date	Jul 7, 2020
Book Page	008078/000219
Instrument	34167

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Jul 12, 2018
Property Address	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0074100124
Book / Page	7410 / 0124
Map Reference	MB P62 PG145
Instrument Date	Jul 11, 2018
Instrument	18026938
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	$2,023.53
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	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641

Mortgage

Document Number	0018026939
Date	Jul 12, 2018
Instrument	18026939

Lender

Name	FRANKLIN SYNERGY BANK
Type	Bank

Agreement

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

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Sep 11, 2017
Property Address	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0071760981
Book / Page	007176 / 000981
Instrument Date	Sep 6, 2017
Instrument	37351
Transaction Type	Construction Loan
Record Updated	Aug 25, 2018
Title Company	LAND TITLE SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7123 CROSSROADS BLVD FRANKLIN TN 37067, FRANKLIN, TN 37067
Investor	Possibly a Property Investor

Mortgage

Document Number	71760981
Date	Sep 11, 2017
Book Page	007176/000981
Instrument	37351

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2018

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	431 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0070280161
Book / Page	007028 / 000161
Instrument Date	Mar 7, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	LAND TITLE SOUTH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	0070280161
Date	Mar 15, 2017
Book Page	007028/000161
Instrument	10219

Lender

Name	JERRY W & LISA CARNES
Address	2353 WIMBLEDON CIR, FRANKLIN, TN 37069-1861

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Mar 14, 2019

Tax Assessment & Valuation

Source: Williamson County assessment roll, as of May 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	$3,944.00 (-30.95%)	$251,850 (+79.64%) Land $50,000 Building $201,850	$1,007,400 (+79.64%) Land $200,000 Building $807,400
2024	$5,712.00 (+88.95%)
2023	$3,023.00	$140,200 (-) Land $27,500 Building $112,700	$560,800 (-) Land $110,000 Building $450,800
2022	$3,023.00	$140,200 Land $27,500 Building $112,700	$560,800 Land $110,000 Building $450,800

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 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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