Franklin County property record for 608 Gem St, Winchester, TN 37398
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,138 sqft · built 1920 |
| Lot Size | 0.433 acres (18,880 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $443 (2022) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026075C K 01100 |
| Primary APN | 026075C K 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,138 sqft Living Area |
| 1st Floor Area | 920 sqft |
| Upper Floors Area | 728 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,880 sqft (0.433 acres) |
| Lot Dimensions | 160 ft deep x 118 ft wide |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 20 sqft |
| Patio Area | 1 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 608 GEM ST |
|---|---|
| City | WINCHESTER |
| State | TN |
| Zip | 37398-2039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: W04 |
| Jurisdiction | FRANKLIN TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 960500 |
608 Gem St is owned and occupied by an individual who acquired it in June 2025.
Source: Franklin County records, as of April 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC |
| Jul 9, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 1944 |
| Deed Sale | Sep 7, 1944 |
| Deed Book / Page | 71 / 231 |
| Last Transfer Date | Jun 20, 2025 |
| Transfer Doc | 0025004554 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Property Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Document Number | 0026002250 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | T1612/567 |
| Instrument | 26002250 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 10194 CROSSPOINT BLVD STE 110, INDIANAPOLIS, IN 46256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN TN |
| Recording Date | Jul 9, 2025 |
| Property Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Document Number | 0025004554 |
| Book / Page | D496 / 665 |
| Instrument Date | Jun 20, 2025 |
| Instrument | 25004554 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Name | Verified Name |
|---|---|
| Address | 608 GEM ST, WINCHESTER, TN 37398-2039 |
| Document Number | 0025004555 |
|---|---|
| Date | Jul 9, 2025 |
| Instrument | 25004555 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2055 |
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 | $17,575 Land $2,325 Building $15,250 | ||
| 2023 | $17,575 Land $2,325 Building $15,250 | ||
| 2022 | $443.00 | $70,300 Land $9,300 Building $61,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 608 Gem St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 608 Gem St 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 98% of the US · lower than 98.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINCHESTER WATER SYSTEM serves 25,683 people · EPA ID TN0000754 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Point Broadband.
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