491 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 491 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	2,925 sqft · built 2019
Lot Size	0.155 acres (6,756 sqft)
Owner	Individual Name on Record
Last Sale	$531,985 (Apr 2020)
Tax Bill	$3,853 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094089I F 00400`

Property Details

APN / Parcel Number

Primary APN	`094089I F 00400`

Interior

Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,925 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,756 sqft
Lot Dimensions	120 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	565 sqft
Driveway	Driveway
Driveway Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	491 RIVER BLUFF DR
City	FRANKLIN
State	TN
Zip	37064-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD RIVERBLUFF SEC4 PB 70 PG 45 LOT 0020
Legal Subdivision	RIVERBLUFF
Legal Lot Number	20
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	491 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Special Warranty Deed, Transfer · Conventional Mortgage F & M BANK
Jul 2, 2019	Loan Modification, Mortgage STEWART TITLE
Apr 25, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on Record
Deed Sale	Apr 9, 2020 · Amount on Record
Deed Document Number	0079520662
Deed Book / Page	7952 / 662
Record Updated	Jun 8, 2026

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Apr 9, 2020
Property Address	491 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Document Number	0079520662
Book / Page	7952 / 662
Map Reference	MB P70 PG 45
Instrument Date	Apr 9, 2020
Instrument	20015698
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY TN DIV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 RIVER BLUFF DR, FRANKLIN, TN 37064-1943

Mortgage

Document Number	0020015699
Date	Apr 9, 2020
Instrument	20015699

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WILLIAMSON TN
Property Address	491 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Document Number	0076850492
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Apr 25, 2019
Property Address	491 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Document Number	0076080555
Book / Page	007608 / 000555
Instrument Date	Apr 25, 2019
Instrument	14284
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,053.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1718 GENERAL GEORGE PATTON DR #B BRENTWOOD TN 370277901, B, BRENTWOOD, TN 37027-7901
Investor	Possibly a Property Investor

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	$3,853.00 (-34.94%)	$246,100 (+79.24%) Land $62,500 Building $183,600	$984,400 (+79.24%) Land $250,000 Building $734,400
2024	$5,922.00 (+1%)
2023	$2,961.00	$137,300 (-) Land $34,375 Building $102,925	$549,200 (-) Land $137,500 Building $411,700
2022	$2,961.00	$137,300 Land $34,375 Building $102,925	$549,200 Land $137,500 Building $411,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Direct burnable vegetation

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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