114B Rustic Ln, Gallatin, TN 37066 Property Records

Sumner County property record for 114B Rustic Ln, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,557 sqft · built 2016
Lot Size	0.558 acres (24,334 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Sep 2020)
Tax Bill	$2,314 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083157J A 02200`

Property Details

APN / Parcel Number

Primary APN	`083157J A 02200`
Alternative APN	`157J A 02200`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,557 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,334 sqft
Lot Dimensions	269 ft deep x 90.5 ft wide
Garage Type	Mixed
Garage Area	1,166 sqft
Driveway	Driveway
Driveway Area	3,670 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	114B RUSTIC LN
City	GALLATIN
State	TN
Zip	37066-5671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 0002 PAGE: 0016 BLOCK: LOT: 0080 SUBD: SUNSET BAY RESORT
Legal Subdivision	SUNSET BAY RESORT
Legal Lot Number	80 90
Jurisdiction	SUMNER TN
Township / Civil Division	6
Census Block Group	1
Census Block	1026
Census Tract	21203

Owner

Source: Sumner County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	114 RUSTIC LN # B, B, GALLATIN, TN 37066-5671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit CORNERSTONE FINANCIAL CU
Sep 23, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 19, 2017	Warranty Deed, Transfer · FHA Mortgage BANK OF TENNESSEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	1329858
Deed Book / Page	5350 / 508
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	114B RUSTIC LN, GALLATIN, TN 37066-5671
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FOUNDATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051330585
Date	Jan 31, 2020
Book Page	5133/585
Instrument	1298995

Lender

Name	CORNERSTONE FINANCIAL CU
Type	Credit Union
Address	NASHVILLE, TN 37212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 17, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Sep 23, 2020
Property Address	114B RUSTIC LN, GALLATIN, TN 37066-5671
Document Number	0053500508
Book / Page	5350 / 508
Map Reference	MB 2 PG 15
Instrument Date	Sep 18, 2020
Instrument	1329858
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	BRIGHTLINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 RUSTIC LN # B, B, GALLATIN, TN 37066-5671
Investor	Possibly a Property Investor

Mortgage

Document Number	5350511
Date	Sep 23, 2020
Instrument	5350/511

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 19, 2017
Property Address	114B RUSTIC LN, GALLATIN, TN 37066-5671
Document Number	0044640479
Book / Page	004464 / 000479
Instrument Date	Jan 17, 2017
Instrument	1182516
Transaction Type	Transfer
Record Updated	Jan 24, 2017
Title Company	SOLOMON PARKS TITLE AND ESCROW L, SOLOMON PARKS TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.61
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	114 RUSTIC LN #B GALLATIN TN 370665671, B, GALLATIN, TN 37066-5671

Mortgage

Document Number	44640481,
Date	Jan 19, 2017
Book Page	004464/000481
Instrument	1182517

Lender

Name	BANK OF TENNESSEE
Type	Bank
Address	KINGSPORT, TN 37660

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,314.00 (-14.23%)	$162,875 (+35.93%) Land $37,500 Building $125,375
2024			$651,500 (+35.93%) Land $150,000 Building $501,500
2023	$2,698.00 (-0.44%)	$119,825 (-) Land $30,000 Building $89,825
2022	$2,710.00	$119,825 Land $30,000 Building $89,825
2021			$479,300 Land $120,000 Building $359,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
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 Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 12 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 94% of the US · lower than 95% 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	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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cumberland Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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