497 River Bluff Dr, Franklin, TN 37064 Property Records

Williamson County property record for 497 River Bluff Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,264 sqft · built 2020
Lot Size	0.254 acres (11,099 sqft)
Owner	Individual Name on File
Last Sale	$581,479 (Oct 2020)
Tax Bill	$4,095 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`094089I F 00500`

Property Details

APN / Parcel Number

Primary APN	`094089I F 00500`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,264 sqft Living Area

Exterior

Year Built	Built 2020
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,099 sqft
Lot Dimensions	166 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	564 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	497 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 0021
Legal Subdivision	RIVERBLUFF
Legal Lot Number	21
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	2
Census Block	2006
Census Tract	50908

Owner

497 River Bluff Dr is owned and occupied by an individual who bought it in October 2020.

Source: Williamson County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	497 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Oct 2, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Mar 16, 2020	Loan Modification, Mortgage ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Aug 5, 2019 · Amount on File
Deed Document Number	0082210567
Deed Book / Page	8221 / 567
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	497 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090570263
Date	Jul 18, 2022
Book Page	9057/263
Instrument	22031578

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Oct 2, 2020
Property Address	497 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Document Number	0082210567
Book / Page	8221 / 567
Map Reference	MB P70 PG 45
Instrument Date	Oct 2, 2020
Instrument	20055043
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO TENNESSEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,151.47
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 RIVER BLUFF DR, FRANKLIN, TN 37064-1943

Mortgage

Document Number	0020055044
Date	Oct 2, 2020
Instrument	20055044

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WILLIAMSON TN
Property Address	497 RIVER BLUFF DR, FRANKLIN, TN 37064-1943
Document Number	0079230164
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2025 property tax bill for 497 River Bluff Dr was $4,095, down 34.6% from the year before.

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	$4,095.00 (-34.63%)	$261,500 Land $62,500 Building $199,000	$1,046,000 Land $250,000 Building $796,000
2024	$6,264.00 (+1%)
2023	$3,132.00	$145,250 (-) Land $34,375 Building $110,875	$581,000 (-) Land $137,500 Building $443,500
2022	$3,132.00	$145,250 Land $34,375 Building $110,875	$581,000 Land $137,500 Building $443,500

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

FEMA maps place 497 River Bluff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 497 River Bluff Dr is low, with less than a 0.01% annual chance of 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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