1095 Duncan St, Gallatin, TN 37066 Property Records

Sumner County property record for 1095 Duncan St, Gallatin, TN 37066

Property Summary

Property Type	Townhouse
Details	3 ba · 1,496 sqft · built 2022
Owner	Individual Name on File
Last Sale	$325,260 (Jan 2023)
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083135C G 03400`

Property Details

APN / Parcel Number

Primary APN	`083135C G 03400`
Alternative APN	`135C G 03400`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,496 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Siding
Terrain	Rolling
Garage Type	Finished
Driveway	Driveway
Driveway Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1095 DUNCAN ST
City	GALLATIN
State	TN
Zip	37066-4785
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	PB33 PG319-323 LT102
Legal Subdivision	WINDSONG PH 2B
Legal Lot Number	102
Jurisdiction	SUMNER TN
Township / Civil Division	5
Census Block Group	2
Census Block	2051
Census Tract	20905

Owner

1095 Duncan St, a townhouse, is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1095 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2023 · Amount on File
Deed Sale	Jan 20, 2023 · Amount on File
Deed Document Number	1440755
Deed Book / Page	6102 / 186
Record Updated	Jun 8, 2026

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 20, 2023
Property Address	1095 DUNCAN ST, GALLATIN, TN 37066-4785
Document Number	0061020186
Book / Page	6102 / 186
Map Reference	MB 33 PG 319-323
Instrument Date	Jan 19, 2023
Instrument	1440755
Transaction Type	Transfer
Record Updated	Apr 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,203.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 DUNCAN ST, GALLATIN, TN 37066-4785

Mortgage

Document Number	0006102189
Date	Jan 20, 2023
Instrument	6102/189

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Duncan St was $1,049.

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	$1,049.00	$73,800 Land $21,250 Building $52,550
2024			$295,200 Land $85,000 Building $210,200
2023	$1,647.00	$53,950 Land $15,750 Building $38,200
2021			$215,800 Land $63,000 Building $152,800
			$325,260

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 1095 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

Wildfire risk around 1095 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.

Drinking Water

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

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 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