1044 Windemere Dr, Gallatin, TN 37066 Property Records

Sumner County property record for 1044 Windemere Dr, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,680 sqft · built 2019
Owner	Individual Name on File
Last Sale	$350,000 (Feb 2021)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Feb 2021 Sale Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083114J G 02700`

Property Details

APN / Parcel Number

Primary APN	`083114J G 02700`
Alternative APN	`114J G 02700`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,680 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Terrain	Rolling
Garage Type	Finished
Driveway	Driveway
Driveway Area	585 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1044 WINDEMERE DR
City	GALLATIN
State	TN
Zip	37066-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB31 PG130 LOT47 PNT PCL114-32.01
Legal Subdivision	RESERVE PH 2
Legal Block	130
Legal Lot Number	47
Jurisdiction	SUMNER TN
Township / Civil Division	4
Census Block Group	1
Census Block	1027
Census Tract	20502

Owner

1044 Windemere Dr is owned and occupied by an individual who bought it in February 2021.

Source: Sumner County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1044 WINDEMERE DR, GALLATIN, TN 37066-2236
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 22, 2021	Warranty Deed, Transfer LENDERS TITLE COMPANY, LENDERS TITLE COMPANY T&E
Mar 2, 2020	Warranty Deed, Transfer · FHA Mortgage F & M BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Prior Sale	Mar 2, 2020 · Amount on File
Deed Document Number	1351082
Deed Book / Page	5503 / 74
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Feb 22, 2021
Property Address	1044 WINDEMERE DR, GALLATIN, TN 37066-2236
Document Number	0055030074
Book / Page	5503 / 74
Map Reference	MB 31 PG 130-132
Instrument Date	Feb 3, 2021
Instrument	1351082
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	LENDERS TITLE COMPANY, LENDERS TITLE COMPANY T&E

Transaction

Amount	Amount on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 WINDEMERE DR, GALLATIN, TN 37066-2236

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Mar 2, 2020
Property Address	1044 WINDEMERE DR, GALLATIN, TN 37066-2236
Document Number	0051550034
Book / Page	5155 / 34
Map Reference	MB 31 PG 130-132
Instrument Date	Feb 28, 2020
Instrument	1302528
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,124.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1044 WINDEMERE DR, GALLATIN, TN 37066-2236

Mortgage

Document Number	5155038
Date	Mar 2, 2020
Instrument	5155/038

Lender

Name	F & M BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1044 Windemere Dr was $1,704.

Source: Sumner County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,704.00	$119,900 Land $18,750 Building $101,150
2024			$479,600 Land $75,000 Building $404,600
2023	$2,595.00 (-0.31%)	$85,025 (-) Land $16,250 Building $68,775
2022	$2,603.00	$85,025 Land $16,250 Building $68,775
2021			$340,100 Land $65,000 Building $275,100

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

FEMA maps place 1044 Windemere Dr 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	23 (1993–2024)
Claims Outside the SFHA	9 of 23
Most Recent Claim	May 2024 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2024 · 2 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 10 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 1044 Windemere Dr is low, with 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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	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	WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cumberland Connect.

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