589 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 589 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,060 sqft · built 2005
Lot Size	0.791 acres (34,449 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2023)
Tax Bill	$2,142 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026053H A 04100`

Property Details

APN / Parcel Number

Primary APN	`026053H A 04100`
Alternative APN	`053H A 04100`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,060 sqft Living Area
1st Floor Area	1,209 sqft
Upper Floors Area	1,629 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,449 sqft (0.791 acres)
Garage Type	Mixed
Garage Area	1,332 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	33 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	589 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: L07
Legal Subdivision	HOPKINS POINT PH I
Legal Lot Number	73
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

589 Bluff Dr is owned and occupied by two individuals who bought it in September 2023.

Source: Franklin County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	589 BLUFF DR, WINCHESTER, TN 37398-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (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.

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MORTGAGE FUNDING LLC
May 25, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on File
Deed Sale	Sep 7, 2023 · Amount on File
Prior Sale	Nov 7, 2011 · Amount on File
Deed Document Number	20235497
Deed Book / Page	479 / 118
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Sep 7, 2023
Property Address	589 BLUFF DR, WINCHESTER, TN 37398-3820
Document Number	0023005497
Book / Page	D479 / 118
Map Reference	ENV 191 A&B
Instrument Date	Sep 5, 2023
Instrument	23005497
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	NOT AVAILABLE, SOUTHERN TENNESSEE T&E LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 BLUFF DR, WINCHESTER, TN 37398-3820

Mortgage

Document Number	0023005498
Date	Sep 7, 2023
Instrument	23005498

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	589 BLUFF DR, WINCHESTER, TN 37398-3820
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022006285
Date	Aug 5, 2022
Book Page	T1456/780
Instrument	22006285

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	589 BLUFF DR, WINCHESTER, TN 37398-3820
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021004657
Date	May 25, 2021
Book Page	T1389/619
Instrument	21004657

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 589 Bluff Dr was $2,142.

Source: Franklin County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,142.00	$107,350 Land $40,625 Building $66,725
2023		$107,350 (+17.03%) Land $40,625 Building $66,725
2022	$1,720.00	$91,725 Land $25,000 Building $66,725	$429,400 (+17.03%) Land $162,500 Building $266,900
2021			$366,900 Land $100,000 Building $266,900

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 589 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 April 23, 2018 · 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
Nearby Flood Policies	1 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 589 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 94% of the US · lower than 94% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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