643 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 643 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,679 sqft · built 2000
Lot Size	0.294 acres (12,825 sqft)
Owner	Individual Name on File
Last Sale	$739,000 (Feb 2023)
Tax Bill	$2,883 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026053H A 03900`

Property Details

APN / Parcel Number

Primary APN	`026053H A 03900`
Alternative APN	`053H A 03900`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,679 sqft Living Area
1st Floor Area	2,114 sqft
Upper Floors Area	2,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,825 sqft (0.294 acres)
Lot Dimensions	135 ft deep x 95 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	714 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	643 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	71
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

Source: Franklin County records · APN 026053H A 03900

Assessment roll updated May 20, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	643 BLUFF DR, WINCHESTER, TN 37398-3820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 03, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK A NORTH CAROLIN
Sep 05, 2023	Deed of Trust, Mortgage · Line of Credit ASCEND FCU
Feb 23, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 2023 · Amount on Record
Deed Sale	Feb 23, 2023 · Amount on Record
Prior Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	23001116
Deed Book / Page	D474 / 193
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	643 BLUFF DR, WINCHESTER, TN 37398-3820
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BLUFF DR, WINCHESTER, TN 37398-3820

Mortgage

Document Number	0025007990
Date	Dec 03, 2025
Book Page	T1595/590
Instrument	25007990

Lender

Name	TRUIST BANK A NORTH CAROLIN
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	643 BLUFF DR, WINCHESTER, TN 37398-3820
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023005438
Date	Sep 05, 2023
Book Page	T1499/211
Instrument	23005438

Lender

Name	ASCEND FCU
Type	Credit Union
Address	TULLAHOMA, TN 37388

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 04, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Feb 23, 2023
Property Address	643 BLUFF DR, WINCHESTER, TN 37398-3820
Document Number	0023001116
Book / Page	D474 / 193
Map Reference	ENV 191-B
Instrument Date	Feb 17, 2023
Instrument	23001116
Transaction Type	Transfer
Record Updated	Mar 08, 2023
Title Company	ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,734.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BLUFF DR, WINCHESTER, TN 37398-3820

Mortgage

Document Number	0023001117
Date	Feb 23, 2023
Instrument	23001117

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Dec 22, 2020
Property Address	643 BLUFF DR, WINCHESTER, TN 37398-3820
Document Number	0020009443
Book / Page	D0450 / 279
Map Reference	ENV 191B
Instrument Date	Dec 11, 2020
Instrument	20009443
Transaction Type	Transfer
Record Updated	Jul 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,053.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BLUFF DR, WINCHESTER, TN 37398-3820

Mortgage

Document Number	0020009444
Date	Dec 22, 2020
Instrument	20009444

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 20, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,883.00 (+6.38%)	$144,500 (-) Land $25,000 Building $119,500
2023		$144,500 Land $25,000 Building $119,500
2022	$2,710.00		$578,000 Land $100,000 Building $478,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 23, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Spectrum.

Based on FCC filings for 31 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on Bluff Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures