1040 Cragfront Est Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 1040 Cragfront Est Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,721 sqft · built 1978
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Apr 2010)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083111L A 01000`

Property Details

APN / Parcel Number

Primary APN	`083111L A 01000`
Alternative APN	`111L A 01000`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,721 sqft Living Area
Gross Area	2,117 sqft
1st Floor Area	1,721 sqft
Basement Area	384 sqft
Finished Basement	384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	297 ft deep x 127 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	1,050 sqft
Driveway	Driveway
Driveway Area	3,549 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1040 CRAGFRONT EST RD
City	GALLATIN
State	TN
Zip	37066-8328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	PLAT: 9 PAGE: 150 BLOCK: LOT: 16 SUBD: CRAGFRONT ESTATES
Legal Subdivision	CRAGFRONT ESTATES
Legal Lot Number	16
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	3
Census Block	3023
Census Tract	20602

Owner

1040 Cragfront Est Rd is owned and occupied by two individuals who acquired it in April 2025.

Source: Sumner County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1040 CRAGFRONT EST RD, GALLATIN, TN 37066-8328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit SIMMONS BANK
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2010 · Amount on File
Deed Sale	Apr 30, 2010 · Amount on File
Deed Document Number	2010949101
Deed Book / Page	3270 / 592
Last Transfer Date	Apr 1, 2025
Transfer Doc	0065710153
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1040 CRAGFRONT EST RD, GALLATIN, TN 37066-8328
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062160370
Date	Aug 14, 2023
Book Page	6216/370
Instrument	1458576

Lender

Name	SIMMONS BANK
Type	Bank
Address	WHITE HOUSE, TN 37188

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 4, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1040 CRAGFRONT EST RD, GALLATIN, TN 37066-8328
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	BRIDGEHOUSE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055430001
Date	Mar 25, 2021
Book Page	5543/1
Instrument	1356696

Lender

Name	SOUTHEAST FINANCIAL CU
Type	Credit Union
Address	FRANKLIN, TN 37064

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Cragfront Est Rd was $1,228.

Source: Sumner County assessment roll, as of January 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,228.00	$86,425 Land $22,500 Building $63,925
2024			$345,700 Land $90,000 Building $255,700
2023	$1,283.00 (-0.39%)	$56,950 (-) Land $21,000 Building $35,950
2022	$1,288.00	$56,950 Land $21,000 Building $35,950
2021			$227,800 Land $84,000 Building $143,800

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

Flood

FEMA maps place 1040 Cragfront Est Rd 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 July 12, 2024 · 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	4 in force
Nearby Flood Claims	3 (2006–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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 1040 Cragfront Est Rd 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 93% of the US · lower than 93% 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.

Drinking Water

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

Water System	CASTALIAN SPRINGS-BETHPAGE U.D. serves 14,555 people · EPA ID TN0000097
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
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	2 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cumberland Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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