85 Phillips Dr, Winchester, TN 37398 Property Records

Franklin County property record for 85 Phillips Dr, Winchester, TN 37398

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,125 sqft · built 1989
Lot Size	0.803 acres (35,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Aug 2024)
Tax Bill	$1,973 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026054A A 00300`

Property Details

APN / Parcel Number

Primary APN	`026054A A 00300`
Alternative APN	`054A A 00300`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,125 sqft Living Area
1st Floor Area	2,125 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2012
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,011 sqft (0.803 acres)
Lot Dimensions	223 ft deep x 157 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	307 sqft
Deck Area	48 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	85 PHILLIPS DR
City	WINCHESTER
State	TN
Zip	37398-4266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 15, COUNTY AREA: L15
Legal Subdivision	PINE BLUFF CABIN SITE
Legal Block	131B
Legal Lot Number	61 62
Jurisdiction	FRANKLIN TN
Township / Civil Division	7
Census Block Group	2
Census Block	2014
Census Tract	960201

Owner

Source: Franklin County records, as of January 26, 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 Record
Co-owner	Co-owner on Record
Mailing Address	85 PHILLIPS DR, WINCHESTER, TN 37398-4266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SMARTBANK
Apr 16, 2019	Warranty Deed, Transfer · Conventional Mortgage SMARTBANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 19, 2024 · Amount on Record
Deed Sale	Aug 19, 2024 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	24004966
Deed Book / Page	D488 / 170
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	85 PHILLIPS DR, WINCHESTER, TN 37398-4266
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023007310
Date	Nov 30, 2023
Book Page	T1508/398
Instrument	23007310

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.5%
Margin	3
Max Rate	12.5%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN TN
Property Address	85 PHILLIPS DR, WINCHESTER, TN 37398-4266
Document Number	0000002908
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 PHILLIPS DR WINCHESTER TN 373984266, WINCHESTER, TN 37398-4266

Mortgage

Document Number	0000002908
Date	May 13, 2020
Book Page	001327/000483
Instrument	2908

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN TN
Recording Date	Apr 16, 2019
Property Address	85 PHILLIPS DR, WINCHESTER, TN 37398-4266
Document Number	0000002127
Book / Page	000435 / 000502
Instrument Date	Apr 16, 2019
Instrument	2127
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	ACCESS TITLE AND ESCROW INC, ACCESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$739.63
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 PHILLIPS DR WINCHESTER TN 373984266, WINCHESTER, TN 37398-4266

Mortgage

Document Number	2128
Date	Apr 16, 2019
Book Page	001283/000730
Instrument	2128

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%

Tax Assessment & Valuation

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	$1,973.00 (+17.3%)	$98,900 (+10.29%) Land $15,000 Building $83,900
2023		$89,675 Land $15,000 Building $74,675
2022	$1,682.00		$395,600 Land $60,000 Building $335,600

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

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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	2 (1995–1997)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 1997 · river or lake flooding

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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTER GROVE-WINCHESTER SPRINGS serves 6,979 people · EPA ID TN0000101
Water Source	Groundwater influenced by surface water
Last State Inspection	Mar 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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