Sumner County property record for 120 Rustic Ln, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,486 sqft · built 1973 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $350,000 (Sep 2015) |
| Tax Bill | $3,067 (2025) |
| Deeds & Mortgages | May 2023 Transfer Jul 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083157J A 01900 |
| Primary APN | 083157J A 01900 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,486 sqft Living Area |
| Gross Area | 3,722 sqft |
| 1st Floor Area | 1,240 sqft |
| Basement Area | 1,240 sqft |
| Finished Basement | 465 sqft |
| Unfinished Basement | 775 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 262 ft deep x 24.5 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 462 sqft |
| Carport | Carport |
| Carport Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 1,938 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 186 sqft |
| Deck Area | 90 sqft |
| Patio Area | 504 sqft |
| Utility Building | 204 sqft |
| Boat Access | Boat Access |
| Boat House | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 RUSTIC LN |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-5671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | PLAT: 0002 PAGE: 0016 BLOCK: LOT: 77 SUBD: SUNSET BAY RESORT |
| Legal Subdivision | SUNSET BAY RESORT |
| Legal Lot Number | 77 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 21203 |
Source: Sumner County records · APN 083157J A 01900
Assessment roll updated January 21, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 04, 2023 | Intrafamily Transfer, Transfer |
| Jul 12, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 07, 2017 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2015 · Amount on Record |
| Deed Sale | Sep 18, 2015 · Amount on Record |
| Deed Document Number | 20151131675 |
| Deed Book / Page | 4182 / 163 |
| Last Transfer Date | Mar 02, 2023 |
| Transfer Doc | 0061570262 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | May 04, 2023 |
| Property Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Document Number | 0061570262 |
| Book / Page | 6157 / 262 |
| Map Reference | MB 2 PG 15-17 |
| Instrument Date | Mar 02, 2023 |
| Instrument | 1449584 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Document Number | 0059870323 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 5987/323 |
| Instrument | 1422321 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 09, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CREEKSIDE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0046560735 |
|---|---|
| Date | Dec 07, 2017 |
| Book Page | 4656/735 |
| Instrument | 1216952 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 120 RUSTIC LN, GALLATIN, TN 37066-5671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052020716 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 5202/716 |
| Instrument | 1309307 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2045 |
Source: Sumner County records · Assessment roll updated January 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
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 | $3,067.00 (+22.93%) | $215,825 (+94.79%) Land $150,000 Building $65,825 | |
| 2024 | $863,300 (+94.79%) Land $600,000 Building $263,300 | ||
| 2023 | $2,495.00 (-0.44%) | $110,800 (-) Land $81,250 Building $29,550 | |
| 2022 | $2,506.00 | $110,800 Land $81,250 Building $29,550 | |
| 2021 | $443,200 Land $325,000 Building $118,200 |
Source: FEMA National Flood Hazard Layer as of July 12, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 97.5% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Cumberland Connect.
Based on FCC filings for 52 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WHITE HOUSE UTILITY DISTRICT serves 130,411 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026–2028) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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