654 Central Dr, Franklin, TN 37064 Property Records

Williamson County property record for 654 Central Dr, Franklin, TN 37064 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,994 sqft · built 2020
Lot Size	0.372 acres (16,217 sqft)
Owner	2 Individual Names on File
Last Sale	$775,376 (Jul 2020)
Tax Bill	$5,322 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jan 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`094117D A 01300`

Property Details

APN / Parcel Number

Primary APN	`094117D A 01300`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	4,994 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,217 sqft
Lot Dimensions	137 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	768 sqft
Driveway	Driveway
Driveway Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	654 CENTRAL DR
City	FRANKLIN
State	TN
Zip	37064-3586
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD HIGHLANDS @ LADD PARK SEC37 PB 68 PG 133 LOT 1213
Legal Subdivision	HIGHLANDS @ LADD PARK
Legal Lot Number	1213
Jurisdiction	WILLIAMSON TN
Township / Civil Division	12
Census Block Group	4
Census Block	4086
Census Tract	51002

Owner

Source: Williamson County records · APN 094117D A 01300

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

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

Owner of Record	2 Individual Names on File
Mailing Address	654 CENTRAL DR, FRANKLIN, TN 37064-3586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2020	Grant Deed, Transfer · Conventional Mortgage CENTRAL BK/ST LOUIS
Jan 16, 2020	Loan Modification, Mortgage · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2020 · Amount on Record
Deed Sale	Jul 06, 2020 · Amount on Record
Deed Document Number	20033557
Deed Book / Page	8074 / 989
Record Updated	Jun 08, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WILLIAMSON TN
Recording Date	Jul 06, 2020
Property Address	654 CENTRAL DR, FRANKLIN, TN 37064-3586
Document Number	0080740989
Book / Page	008074 / 000989
Instrument Date	Jul 02, 2020
Instrument	33557
Transaction Type	Transfer
Record Updated	Aug 07, 2020
Title Company	SOUTHLAND TITLE COMPANY, SOUTHLAND TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,869.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 CENTRAL DR FRANKLIN TN 370643586, FRANKLIN, TN 37064-3586

Mortgage

Document Number	80750001
Date	Jul 06, 2020
Book Page	008075/000001
Instrument	33558

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 05, 2050

Mortgage

Document Number	80750014,
Date	Jul 06, 2020
Book Page	008075/000014
Instrument	33559

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 05, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.37%

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WILLIAMSON TN
Property Address	654 CENTRAL DR, FRANKLIN, TN 37064-3586
Document Number	0078690102
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	SOUTHLAND TITLE COMPANY, SOUTHLAND TITLE CO.

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	654 CENTRAL DR FRANKLIN TN 370643586, FRANKLIN, TN 37064-3586

Mortgage

Document Number	0078690102
Date	Jan 17, 2020
Book Page	007869/000102
Instrument	2493

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Williamson County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Williamson County
Municipality	Franklin City
Unified School District	Williamson 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	$5,322.00 (-41.02%)	$339,825 (+62.38%) Land $109,375 Building $230,450	$1,359,300 (+62.38%) Land $437,500 Building $921,800
2024	$9,024.00 (+1%)
2023	$4,512.00	$209,275 (-) Land $43,750 Building $165,525	$837,100 (-) Land $175,000 Building $662,100
2022	$4,512.00	$209,275 Land $43,750 Building $165,525	$837,100 Land $175,000 Building $662,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Williamson County (47187C), updated June 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471870510024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 43 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 28% of Tennessee
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 318 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: MTE Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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