824 Bluff Dr, Winchester, TN 37398 Property Records

Franklin County property record for 824 Bluff Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,622 sqft · built 2020
Lot Size	0.928 acres (40,406 sqft)
Owner	Individual Name on Record
Last Sale	$364,500 (Apr 2017)
Tax Bill	$8,206 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026053H A 01800`

Property Details

APN / Parcel Number

Primary APN	`026053H A 01800`
Alternative APN	`053H A 01800`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	2 Stories
Building Area	5,622 sqft Living Area
1st Floor Area	3,252 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,406 sqft (0.928 acres)
Lot Dimensions	227 ft deep x 178 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	900 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Boat Access	Boat Access
Boat House	164 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	824 BLUFF DR
City	WINCHESTER
State	TN
Zip	37398-3863
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	50
Jurisdiction	FRANKLIN TN
Township / Civil Division	3
Census Block Group	3
Census Block	3001
Census Tract	960300

Owner

Source: Franklin County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST VISION BANK OF TENNESSEE
Aug 21, 2020	Deed of Trust, Mortgage FIRST VISION BANK OF TENNESSEE
May 4, 2020	Loan Modification, Mortgage FIRST VISION BK/TN-TULLAHOMA
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit FIRST VISION BK/TN-TULLAHOMA
Apr 27, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2017 · Amount on Record
Deed Sale	Apr 27, 2017 · Amount on Record
Prior Sale	Dec 19, 1991 · Amount on Record
Deed Document Number	20172485
Deed Book / Page	419 / 343
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005710
Date	Aug 21, 2020
Book Page	T1342/331
Instrument	20005710

Lender

Name	FIRST VISION BANK OF TENNESSEE
Type	Bank
Address	MURFREESBORO, TN 37130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005711
Date	Aug 21, 2020
Book Page	T1342/343
Instrument	20005711

Lender

Name	FIRST VISION BANK OF TENNESSEE
Type	Bank
Address	TULLAHOMA, TN 37388

Agreement

Amount	Amount Recorded

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN TN
Property Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Document Number	0000002709
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3704 LADY BANKS LN NW HUNTSVILLE AL 358061536, HUNTSVILLE, AL 35806-1536

Mortgage

Document Number	0000002709
Date	May 5, 2020
Book Page	001326/000388
Instrument	2709

Lender

Name	FIRST VISION BK/TN-TULLAHOMA
Address	TULLAHOMA, TN 37388

Agreement

Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Document Number	0000000856
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3704 LADY BANKS LN NW HUNTSVILLE AL 358061536, HUNTSVILLE, AL 35806-1536

Mortgage

Document Number	0000000856
Date	Feb 15, 2019
Book Page	001278/000307
Instrument	856

Lender

Name	FIRST VISION BK/TN-TULLAHOMA
Address	TULLAHOMA, TN 37388

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 27, 2017
Property Address	824 BLUFF DR, WINCHESTER, TN 37398-3863
Document Number	0000002485
Book / Page	000419 / 000343
Instrument Date	Apr 27, 2017
Instrument	2485
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,348.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 CHIPMUNK CIR NEW MARKET AL 357617736, NEW MARKET, AL 35761-7736

Tax Assessment & Valuation

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	$8,206.00 (+6.39%)	$411,275 (-) Land $150,000 Building $261,275
2023		$411,275 Land $150,000 Building $261,275
2022	$7,713.00		$1,645,100 Land $600,000 Building $1,045,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

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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