Franklin County property record for 494 Cascade Dr, Winchester, TN 37398
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,061 sqft · built 2018 |
| Lot Size | 0.461 acres (20,069 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $870,000 (May 2026) |
| Tax Bill | $3,608 (2022) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026055C A 02400 |
| Primary APN | 026055C A 02400 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,061 sqft Living Area |
| 1st Floor Area | 2,611 sqft |
| Upper Floors Area | 750 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,069 sqft (0.461 acres) |
| Lot Dimensions | 329 ft deep x 61 ft wide |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 750 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 612 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 170 sqft |
| Patio Area | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 494 CASCADE DR |
|---|---|
| City | WINCHESTER |
| State | TN |
| Zip | 37398-4747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: W01 |
| Legal Subdivision | STONE FIELD HEIGHTS PH I |
| Legal Lot Number | 24 |
| Jurisdiction | FRANKLIN TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 960402 |
494 Cascade Dr is owned and occupied by two individuals who bought it in May 2026.
Source: Franklin County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 29, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED MORTGAGE LENDING LLC |
| Apr 10, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on File |
| Deed Sale | May 5, 2026 · Amount on File |
| Prior Sale | May 29, 2024 · Amount on File |
| Deed Document Number | 20263261 |
| Deed Book / Page | 504 / 787 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | May 5, 2026 |
| Property Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0000003261 |
| Book / Page | 504 / 787 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.3261 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | SOUTHERN TEXAS TITLE, SOUTHERN TENNESSEE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325,119.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0000003262, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026..3262 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | May 5, 2026 |
| Property Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0026003261 |
| Book / Page | 504 / 787 |
| Instrument Date | May 4, 2026 |
| Instrument | 20263261 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | TENNESSEE TITLE, SOUTHERN TENNESSEE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325,119.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0000003262, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 20263262 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | May 29, 2024 |
| Property Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0024003117 |
| Book / Page | D485 / 669 |
| Instrument Date | May 23, 2024 |
| Instrument | 24003117 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | SOUTHERN TENNESSEE T&E LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,182.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Document Number | 0024003118 |
|---|---|
| Date | May 29, 2024 |
| Instrument | 24003118 |
| Name | UNITED MORTGAGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Apr 10, 2017 |
| Property Address | 494 CASCADE DR, WINCHESTER, TN 37398-4747 |
| Book / Page | 001214 / 000421 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 2113 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 17, 2017 |
| Title Company | SOUTHERN TN TITLE AND ESCROW LLC, SOUTHERN TN TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0000002113 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 001214/000421 |
| Instrument | 2113 |
| Name | CITIZENS CMNTY BK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 9, 2018 |
Source: Franklin County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Franklin County |
| Municipality | Winchester City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $144,275 Land $18,750 Building $125,525 | ||
| 2023 | $143,150 (-) Land $18,750 Building $124,400 | ||
| 2022 | $3,608.00 | $143,150 Land $18,750 Building $124,400 | $577,100 (+0.79%) Land $75,000 Building $502,100 |
| 2021 | $572,600 Land $75,000 Building $497,600 |
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.
FEMA maps place 494 Cascade Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 494 Cascade Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DECHERD WATER DEPT serves 4,809 people · EPA ID TN0000187 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2025 |
| Lead | 8 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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