515 Cobert Ln, Franklin, TN 37064 Property Records

Williamson County property record for 515 Cobert Ln, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,986 sqft · built 2014
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$770,000 (Nov 2025)
Tax Bill	$2,310 (2024)
Deeds & Mortgages	Oct 2026 Line of Credit Nov 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`089N-A-026.00-000`

Property Details

APN / Parcel Number

Primary APN	`089N-A-026.00-000`
Alternative APNs	`094089N A 02600` `1085103`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,986 sqft Living Area
Gross Area	2,427 sqft
1st Floor Area	1,493 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	515 COBERT LN
City	FRANKLIN
State	TN
Zip	37064-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD LOCKWOOD GLEN SEC 1 PB 59 PG 142 LOT 0063
Legal Subdivision	LOCKWOOD GLEN
Legal Lot Number	0063
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	4
Census Block	4114
Census Tract	51002

Owner

515 Cobert Ln is owned and occupied by an individual who bought it in November 2025.

Source: Williamson County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY FEDERAL CREDIT UNION
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Mar 16, 2023	Warranty Deed, Transfer · Conventional Mortgage LEGACY HOME LOANS LLC
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage EVANSVILLE TEACHERS FCU
Mar 29, 2018	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Mar 16, 2023 · Amount on File
Deed Document Number	202537572
Deed Book / Page	9879 / 968
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Recording Date	Oct 5, 2026
Property Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Document Number	0000035591
Book / Page	10146 / 356
Instrument Date	Sep 30, 2026
Instrument	202635591
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 COBERT LN, FRANKLIN, TN 37064-1459

Mortgage

Document Number	0000035591,
Date	Oct 5, 2026
Book Page	10146/356
Instrument	202635591

Lender

Name	LIBERTY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2056

Interest

Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Nov 18, 2025
Property Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Document Number	0098790968
Book / Page	9879 / 968
Map Reference	MB P59 PG 142
Instrument Date	Nov 12, 2025
Instrument	25037572
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	LENDERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 COBERT LN, FRANKLIN, TN 37064-1459

Mortgage

Document Number	0025037573
Date	Nov 18, 2025
Instrument	25037573

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Mar 16, 2023
Property Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Document Number	0092140404
Book / Page	9214 / 404
Map Reference	MB P58 PG 64
Instrument Date	Mar 15, 2023
Instrument	23007174
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	WAGON WHEEL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,904.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 COBERT LN, FRANKLIN, TN 37064-1459

Mortgage

Document Number	0023007175
Date	Mar 16, 2023
Instrument	23007175

Lender

Name	LEGACY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Jun 15, 2021
Property Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Document Number	0085990035
Book / Page	8599 / 35
Map Reference	MB P58 PG 64
Instrument Date	Jun 2, 2021
Instrument	21036337
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	STEWART TITLE, STEWART TITLE CO TENNESSEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,331.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 COBERT LN, FRANKLIN, TN 37064-1459

Mortgage

Document Number	21036338
Date	Jun 15, 2021
Instrument	21036338

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Mar 29, 2018
Property Address	515 COBERT LN, FRANKLIN, TN 37064-1459
Document Number	0073260322
Book / Page	7326 / 0322
Map Reference	MB P59 PG142
Instrument Date	Mar 29, 2018
Instrument	18011392
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
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
Relationship	Family Living Trust
Address	515 COBERT LN, FRANKLIN, TN 37064-1459

Mortgage

Document Number	0018011393
Date	Mar 29, 2018
Instrument	18011393

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

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		$166,075 Land $51,250 Building $114,825	$664,300 Land $205,000 Building $459,300
2024	$2,310.00
2023	$2,310.00	$107,150 (-) Land $28,750 Building $78,400	$428,600 (-) Land $115,000 Building $313,600
2022	$2,310.00	$107,150 Land $28,750 Building $78,400	$428,600 Land $115,000 Building $313,600

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.

Flood

FEMA maps place 515 Cobert Ln in Zone X, an area of minimal flood risk.

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 File median of 43 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 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

Wildfire risk around 515 Cobert Ln 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 99.1% of the US · lower than 99.2% 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	MILCROFTON UTILITY DISTRICT serves 38,032 people · EPA ID TN0000247
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon.

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