Sumner County property record for 1040 Five Coves Trce, Gallatin, TN 37066 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2015 |
| Square Footage | 3,290 sqft Living Area |
| Garage | Finished |
| Occupancy | Owner Occupied |
| Last Sale | $377,950 (2016) |
| Tax Bill | $2,788.00 (2025) |
| Primary APN | 083165D C 03400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Building Area | 3,290 sqft Living Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Brick Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Driveway | 1 Driveway |
| Driveway Area | 1,290 sqft Driveway |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Finished Garage |
| Pool Area | 600 sqft Pool |
| Porch | Open Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1040 FIVE COVES TRCE |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-1400 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PB28 PG211 LT18, P.B.27 PG.259 LT.18 |
| Legal Subdivision | FIVE COVES TRACE PH 2 RESUB 18 19 |
| Legal Block | 211 |
| Legal Lot Number | 18 |
| Jurisdiction | SUMNER TN |
| Minor Civil Division | 6 |
| Census Blockgroup | 2 |
| Census Block | 2031 |
| Census Tract | 21203 |
Source: Sumner County records · APN 083165D C 03400
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1040 FIVE COVES TRCE, GALLATIN, TN 37066-1400 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NB OF MIDDLE TENNESSEE |
| Jul 16, 2020 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Mar 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/MIDDLE TN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 2016 · Amount on Record |
| Deed Sale | Jan 11, 2016 · Amount on Record |
| Prior Sale | Nov 01, 2013 · Amount on Record |
| Deed Doc Number | 1142639 |
| Deed Book / Page | 4239 / 843 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 1040 FIVE COVES TRCE, GALLATIN, TN 37066-1400 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Title Company | SIGNATURE TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0054110634 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 5411/634 |
| Instrument | 1338397 |
| Name | FIRST NB OF MIDDLE TENNESSEE |
|---|---|
| Type | Bank |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 1040 FIVE COVES TRCE, GALLATIN, TN 37066-1400 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0052780320 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 5278/320 |
| Instrument | 1319798 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 1040 FIVE COVES TRCE, GALLATIN, TN 37066-1400 |
| Document Number | 0051720077 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | SIGNATURE TITLE, SIGNATURE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1040 FIVE COVES TRCE GALLATIN TN 370661400, GALLATIN, TN 37066-1400 |
| Document Number | 0051720077 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 005172/000077 |
| Instrument | 1305141 |
| Name | FIRST NAT'L BK/MIDDLE TN |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 25, 2040 |
Source: Sumner County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
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 | $2,788.00 (+19.35%) | $196,175 (+89.08%) Land $37,500 Building $158,675 | |
| 2024 | $784,700 (+89.08%) Land $150,000 Building $634,700 | ||
| 2023 | $2,336.00 (-0.47%) | $103,750 (-) Land $30,000 Building $73,750 | |
| 2022 | $2,347.00 | $103,750 Land $30,000 Building $73,750 | |
| 2021 | $415,000 Land $120,000 Building $295,000 |
Source: FEMA National Flood Hazard Layer, Sumner County (47165C), updated July 12, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 6% of the US · above 5% of Tennessee |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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