109 Rustic Ln, Gallatin, TN 37066 Property Records

Sumner County property record for 109 Rustic Ln, Gallatin, TN 37066 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,730 sqft · built 1996
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Apr 2014)
Tax Bill	$2,002 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`083157J A 01100`

Property Details

APN / Parcel Number

Primary APN	`083157J A 01100`
Alternative APN	`157J A 01100`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,730 sqft Living Area
1st Floor Area	895 sqft
Upper Floors Area	835 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	401 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	1,598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Open Porch
Porch Area	145 sqft
Deck Area	468 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	109 RUSTIC LN
City	GALLATIN
State	TN
Zip	37066-5672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 0002 PAGE: 0016 BLOCK: LOT: 0069 SUBD: SUNSET BAY RESORT
Legal Subdivision	SUNSET BAY RESORT
Legal Lot Number	69 75
Jurisdiction	SUMNER TN
Township / Civil Division	6
Census Block Group	1
Census Block	1026
Census Tract	21203

Owner

Source: Sumner County records · APN 083157J A 01100

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	2 Individual Names on File
Mailing Address	109 RUSTIC LN, GALLATIN, TN 37066-5672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 2014 · Amount on Record
Deed Sale	Apr 01, 2014 · Amount on Record
Prior Sale	Jun 12, 1995 · Amount on Record
Deed Document Number	1080900
Deed Book / Page	3923 / 850
Record Updated	Jun 08, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	109 RUSTIC LN, GALLATIN, TN 37066-5672
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046000803
Date	Sep 05, 2017
Book Page	4600/803
Instrument	1207198

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Aug 15, 2037

Tax Assessment & Valuation

Source: Sumner County records · Assessment roll updated May 20, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$2,002.00 (-12.04%)	$140,875 (+39.41%) Land $60,950 Building $79,925
2024			$563,500 (+39.41%) Land $243,800 Building $319,700
2023	$2,276.00 (-0.44%)	$101,050 (-) Land $53,625 Building $47,425
2022	$2,286.00	$101,050 Land $53,625 Building $47,425
2021			$404,200 Land $214,500 Building $189,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sumner County (47165C), updated July 12, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471650212031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	21 in force
Nearby Flood Claims	22 (2009–2022)
Claims Outside the SFHA	21 of 22
Most Recent Claim	Feb 2022, rainfall accumulation
Claims By Storm	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 12 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 116 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Cumberland Connect	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.