449 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 449 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,063 sqft · built 2018
Lot Size	0.151 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$965,000 (Aug 2025)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`094089I D 00900`

Property Details

APN / Parcel Number

Primary APN	`094089I D 00900`

Interior

Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,063 sqft Living Area
Gross Area	3,239 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,600 sqft
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	449 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 0012 SUBD RIVERBLUFF SEC 2 PB 70 PG 24 LOT 0012
Legal Subdivision	RIVERBLUFF
Legal Lot Number	12
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	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAMBRIDGE MORTGAGE INC
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA
Jun 25, 2018	Grant Deed, Transfer · Conventional with PMI ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on Record
Deed Sale	Aug 8, 2025 · Amount on Record
Prior Sale	Jun 25, 2018 · Amount on Record
Deed Document Number	25025532
Deed Book / Page	9798 / 963
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Transaction Type	Mortgage
Record Updated	Mar 4, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641

Mortgage

Document Number	0099520335
Date	Feb 24, 2026
Book Page	9952/335
Instrument	26005775

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084550114
Date	Mar 8, 2021
Book Page	8455/114
Instrument	21013956

Lender

Name	CAMBRIDGE MORTGAGE INC
Address	GALLATIN, TN 37066

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0076960839
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	BELL LAW SETTLEMENT SERVICES LLC, BELL LAW SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	449 RIVER BLUFF DR FRANKLIN TN 370641641, FRANKLIN, TN 37064-1641

Mortgage

Document Number	0076960839
Date	Aug 1, 2019
Book Page	007696/000839
Instrument	29602

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Jun 25, 2018
Property Address	449 RIVER BLUFF DR, FRANKLIN, TN 37064-1641
Document Number	0073950589
Book / Page	007395 / 000589
Instrument Date	Jun 22, 2018
Instrument	24172
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,826.17
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	449 TIVER BLUFF DR FRANKLIN TN 37064, FRANKLIN, TN 37064

Mortgage

Document Number	73950592
Date	Jun 25, 2018
Book Page	007395/000592
Instrument	24173

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

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	$3,692.00 (-34.89%)	$235,750 (+79.35%) Land $50,000 Building $185,750	$943,000 (+79.35%) Land $200,000 Building $743,000
2024	$5,670.00 (+1%)
2023	$2,835.00	$131,450 (-) Land $27,500 Building $103,950	$525,800 (-) Land $110,000 Building $415,800
2022	$2,835.00	$131,450 Land $27,500 Building $103,950	$525,800 Land $110,000 Building $415,800

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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