108 Drayton Downs, Gallatin, TN 37066 Property Records

Sumner County property record for 108 Drayton Downs, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,176 sqft · built 2007
Lot Size	0.298 acres (13,000 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Apr 2019)
Tax Bill	$2,754 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083146E C 00400`

Property Details

APN / Parcel Number

Primary APN	`083146E C 00400`
Alternative APN	`146E C 00400`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,176 sqft Living Area
Gross Area	3,733 sqft
1st Floor Area	2,047 sqft
Upper Floors Area	1,882 sqft
Basement Area	2,047 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	250 ft deep x 52.1 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	720 sqft
Driveway	Driveway
Driveway Area	1,800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	256 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 DRAYTON DOWNS
City	GALLATIN
State	TN
Zip	37066-7163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 24 PAGE: 216 BLOCK: LOT: 15 SUBD: SAVANNAH PH 5
Legal Subdivision	SAVANNAH PH 5
Legal Lot Number	15
Jurisdiction	SUMNER TN
Township / Civil Division	6
Census Block Group	2
Census Block	2012
Census Tract	21203

Owner

Source: Sumner County records, as of May 12, 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 Record
Mailing Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 9, 2021	Deed of Trust, Mortgage · FHA Mortgage TENNESSEE TRUST MORTGAGE INC
Apr 4, 2019	Warranty Deed, Transfer · FHA Mortgage TENNESSEE TRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2019 · Amount on Record
Deed Sale	Apr 4, 2019 · Amount on Record
Prior Sale	May 28, 2008 · Amount on Record
Deed Document Number	20191264152
Deed Book / Page	4919 / 18
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163

Mortgage

Document Number	0061150442
Date	Feb 21, 2023
Book Page	6115/442
Instrument	1442995

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	STEWART TITLE, STEWART TITLE OF TENNESSEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056190685
Date	Jun 9, 2021
Book Page	5619/685
Instrument	1368082

Lender

Name	TENNESSEE TRUST MORTGAGE INC
Type	Mortgage Company
Address	PLEASANT VIEW, TN 37146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Apr 4, 2019
Property Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163
Document Number	0049190018
Book / Page	4919 / 018
Map Reference	MB 24 PG 216
Instrument Date	Apr 3, 2019
Instrument	1264152
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	TENNESSEE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,739.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DRAYTON DOWNS, GALLATIN, TN 37066-7163

Mortgage

Document Number	1264153
Date	Apr 4, 2019
Instrument	1264153

Lender

Name	TENNESSEE TRUST MORTGAGE INC
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,754.00 (-31.2%)	$193,800 (+56.32%) Land $40,500 Building $153,300
2024			$775,200 (+56.32%) Land $162,000 Building $613,200
2023	$4,003.00 (-0.3%)	$123,975 (-) Land $20,000 Building $103,975
2022	$4,015.00	$123,975 Land $20,000 Building $103,975
2021			$495,900 Land $80,000 Building $415,900

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 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	9 in force
Nearby Flood Claims	15 (2010–2011)
Claims Outside the SFHA	15 of 15
Most Recent Claim	Oct 2011 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 11 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 96% of Tennessee
Wildfire Likelihood	Under 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.

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 155 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: T-Mobile.

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