626 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 626 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	6 ba · 4,727 sqft · built 2003
Lot Size	0.518 acres (22,600 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Sep 2017)
Tax Bill	$5,197 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026053H A 00700`

Property Details

APN / Parcel Number

Primary APN	`026053H A 00700`
Alternative APN	`053H A 00700`

Interior

Full Baths	6 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	4,727 sqft Living Area
1st Floor Area	1,818 sqft
Upper Floors Area	1,818 sqft
Basement Area	1,818 sqft
Finished Basement	1,818 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,600 sqft (0.518 acres)
Lot Dimensions	226 ft deep x 100 ft wide
Terrain	Rolling
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	1,208 sqft
Deck Area	210 sqft
Patio Area	360 sqft
Utility Building	120 sqft
Boat Access	Boat Access
Boat House	588 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	626 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3819
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	39 100
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

626 Bluff Dr is owned by two individuals who bought it in September 2017.

Source: Franklin County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5165 REMINGTON DR, BRENTWOOD, TN 37027-3000
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
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 5, 2017	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on File
Deed Sale	Sep 5, 2017 · Amount on File
Deed Document Number	17005274
Deed Book / Page	D0422 / 075
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	626 BLUFF DR, WINCHESTER, TN 37398-3819
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000752
Date	Jan 27, 2021
Book Page	T1368/318
Instrument	21000752

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Sep 5, 2017
Property Address	626 BLUFF DR, WINCHESTER, TN 37398-3819
Document Number	0000005274
Book / Page	000422 / 000075
Instrument Date	Aug 24, 2017
Instrument	5274
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,294.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5165 REMINGTON DR BRENTWOOD TN 370273000, BRENTWOOD, TN 37027-3000

Mortgage

Document Number	5275
Date	Sep 5, 2017
Book Page	001228/000638
Instrument	5275

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 626 Bluff Dr was $5,197.

Source: Franklin County assessment roll, as of May 20, 2025

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	$5,197.00	$260,475 Land $106,250 Building $154,225
2023		$251,500 Land $106,250 Building $145,250
2022	$4,903.00		$1,041,900 Land $425,000 Building $616,900

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 626 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 626 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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