442 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 442 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,112 sqft · built 2018
Lot Size	0.152 acres (6,600 sqft)
Owner	Company Name on Record
Last Sale	$536,210 (Oct 2018)
Tax Bill	$3,884 (2025)
Deeds & Mortgages	Mar 2022 Transfer Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`089I-D-019.00-000`

Property Details

APN / Parcel Number

Primary APN	`089I-D-019.00-000`
Alternative APNs	`094089I D 01900` `1096095`

Interior

Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,112 sqft Living Area
Gross Area	3,795 sqft
1st Floor Area	1,872 sqft
Attic	Attic
Attic Area	154 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	6,600 sqft (0.152 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	529 sqft
Driveway	Driveway
Driveway Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	442 RIVER BLUFF DR
City	FRANKLIN
State	TN
Zip	37064-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD RIVERBLUFF SEC2 PB 62 PG 145 LOT 0044 SUBD RIVERBLUFF SEC 2 PB 70 PG 24 LOT 0044
Legal Subdivision	RIVERBLUFF
Legal Lot Number	0044
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	2
Census Block	2006
Census Tract	50908

Owner

Source: Williamson County records, as of January 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Intrafamily Transfer, Transfer
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 30, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	201842798
Deed Book / Page	7494 / 39
Last Transfer Date	Feb 21, 2022
Transfer Doc	0089330935
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WILLIAMSON TN
Recording Date	Mar 9, 2022
Property Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640
Document Number	0089330935
Book / Page	8933 / 935
Map Reference	MB P62 PG 145
Instrument Date	Feb 21, 2022
Instrument	22011261
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083400964
Date	Dec 18, 2020
Book Page	8340/964
Instrument	20072662

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078190240
Date	Nov 25, 2019
Book Page	7819/0240
Instrument	19049932

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Oct 30, 2018
Property Address	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640
Document Number	0074940039
Book / Page	7494 / 0039
Map Reference	MB P62 PG145
Instrument Date	Oct 24, 2018
Instrument	18042798
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,983.98
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	442 RIVER BLUFF DR, FRANKLIN, TN 37064-1640

Mortgage

Document Number	0018042799
Date	Oct 30, 2018
Instrument	18042799

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

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	$3,884.00 (+29.29%)	$248,050 (+78.04%) Land $62,500 Building $185,550	$992,200 (+78.04%) Land $250,000 Building $742,200
2024	$3,004.00
2023	$3,004.00	$139,325 (-) Land $34,375 Building $104,950	$557,300 (-) Land $137,500 Building $419,800
2022	$3,004.00	$139,325 Land $34,375 Building $104,950	$557,300 Land $137,500 Building $419,800

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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