545 Ridgestone Dr, Franklin, TN 37064 Property Records

Williamson County property record for 545 Ridgestone Dr, Franklin, TN 37064

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,494 sqft · built 1993
Lot Size	0.176 acres (7,700 sqft)
Owner	Individual Name on File
Last Sale	$479,000 (Sep 2020)
Tax Bill	$3,470 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`094089B F 01400`

Property Details

APN / Parcel Number

Primary APN	`094089B F 01400`

Interior

Full Baths	3.5 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,494 sqft Living Area
1st Floor Area	1,258 sqft
2nd Floor Area	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,700 sqft (0.176 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	480 sqft
Porch	Porch
Porch Area	45 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	545 RIDGESTONE DR
City	FRANKLIN
State	TN
Zip	37064-5575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD FORREST CROSSING SEC 4 PB 11 PG 34 LOT 0414
Legal Subdivision	FORREST CROSSING
Legal Lot Number	414 70
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	1
Census Block	1003
Census Tract	50907

Owner

545 Ridgestone Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	545 RIDGESTONE DR, FRANKLIN, TN 37064-5575
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
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 29, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on File
Deed Sale	Sep 22, 2020 · Amount on File
Prior Sale	Aug 7, 2007 · Amount on File
Deed Document Number	20051977
Deed Book / Page	8200 / 324
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Sep 22, 2020
Property Address	545 RIDGESTONE DR, FRANKLIN, TN 37064-5575
Document Number	0082000324
Book / Page	8200 / 324
Map Reference	MB 11 PG 34
Instrument Date	Sep 16, 2020
Instrument	20051977
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	HOMELAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,772.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 RIDGESTONE DR, FRANKLIN, TN 37064-5575

Mortgage

Document Number	0020051978
Date	Sep 22, 2020
Instrument	20051978

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSON TN
Property Address	545 RIDGESTONE DR, FRANKLIN, TN 37064-5575
Document Number	0073350522
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 RIDGESTONE DR FRANKLIN TN 370645575, FRANKLIN, TN 37064-5575

Mortgage

Document Number	0073350522
Date	Apr 11, 2018
Book Page	007335/000522
Instrument	13170

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 545 Ridgestone Dr was $3,470, down 44% 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
Elementary School District	Franklin Special School District (PK - 08)
Secondary School District	Williamson County School District in Franklin (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,470.00 (-44.01%)	$168,150 Land $52,500 Building $115,650	$672,600 Land $210,000 Building $462,600
2024	$6,198.00 (+108.06%)
2023	$2,979.00	$109,450 (-) Land $22,500 Building $86,950	$437,800 (-) Land $90,000 Building $347,800
2022	$2,979.00	$109,450 Land $22,500 Building $86,950	$437,800 Land $90,000 Building $347,800

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

FEMA maps place 545 Ridgestone Dr 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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 545 Ridgestone 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 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	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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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