Sumner County property record for 1069 Duncan St, Gallatin, TN 37066
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,496 sqft · built 2023 |
| Owner | Individual Name on File |
| Last Sale | $281,180 (Apr 2023) |
| Tax Bill | $1,059 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083135C G 04300 |
| Primary APN | 083135C G 04300 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Siding |
| Terrain | Rolling |
| Garage Type | Finished |
| Driveway | Driveway |
| Driveway Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1069 DUNCAN ST |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-4785 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PB33 PG319-323 LT111 PB33 PG319-323 LT111 |
| Legal Subdivision | WINDSONG PH 2B |
| Legal Lot Number | 111 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 20905 |
1069 Duncan St, a townhouse, is owned and occupied by an individual who bought it in April 2023.
Source: Sumner County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 25, 2023 | Special Warranty Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC |
| Jan 13, 2023 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2023 · Amount on File |
| Deed Sale | Apr 25, 2023 · Amount on File |
| Prior Sale | Jan 13, 2023 · Amount on File |
| Deed Document Number | 0006151288 |
| Deed Book / Page | 6151 / 288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Sep 22, 2026 |
| Property Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| Document Number | 0001565160 |
| Book / Page | 6945 / 812 |
| Instrument Date | Sep 5, 2026 |
| Instrument | 20261565160 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| Document Number | 0001565160, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 6945/812 |
| Instrument | 20261565160 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Apr 25, 2023 |
| Property Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| Document Number | 0061510288 |
| Book / Page | 6151 / 288 |
| Map Reference | MB 33 PG 319-323 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 1448687 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,040.37 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| Document Number | 0006151291 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 6151/291 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Jan 13, 2023 |
| Property Address | 1069 DUNCAN ST, GALLATIN, TN 37066-4785 |
| Document Number | 0060990343 |
| Book / Page | 6099 / 343 |
| Map Reference | MB 33 PG 319-323 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 1440290 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,360.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 INNOVATION DR STE 200, 200, FRANKLIN, TN 37067-6015 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1069 Duncan St was $1,059.
Source: Sumner County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Municipality | Gallatin City |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,059.00 | $74,525 Land $21,250 Building $53,275 | |
| 2024 | $298,100 Land $85,000 Building $213,100 | ||
| 2023 | $1,275.00 (+164.52%) | $41,775 (+165.24%) Land $15,750 Building $26,025 | |
| 2022 | $482.00 | $15,750 Land $15,750 | |
| 2021 | $167,100 Land $63,000 Building $104,100 |
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.
FEMA maps place 1069 Duncan St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | May 2024 · Severe Storms, Tornadoes, And 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 risk around 1069 Duncan St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GALLATIN WATER DEPARTMENT serves 65,964 people · EPA ID TN0000253 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 266 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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