1607 Cairo Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 1607 Cairo Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,135 sqft · built 1977
Lot Size	5.59 acres (243,936 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jan 2020)
Tax Bill	$2,225 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`083127 00504`

Property Details

APN / Parcel Number

Primary APN	`083127 00504`
Alternative APN	`127 00504`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	3,135 sqft Living Area
1st Floor Area	1,952 sqft
Upper Floors Area	1,008 sqft
Basement Area	578 sqft
Finished Basement	578 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1994
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	243,936 sqft (5.59 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	612 sqft
Porch	Enclosed Porch
Porch Area	516 sqft
Pole Barn	1,722 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1607 CAIRO RD
City	GALLATIN
State	TN
Zip	37066-4830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 9 PAGE: 171 BLOCK: LOT: LIST SUBD: BROWN EST 2
Legal Subdivision	BROWN ESTATES #2
Legal Tract	2
Legal Lot Number	4 5
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1017
Census Tract	20603

Owner

1607 Cairo Rd is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1607 CAIRO RD, GALLATIN, TN 37066-4830
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

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 8, 2020	Warranty Deed, Transfer · Conventional Mortgage WILSON BK&TR
Nov 8, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Jan 30, 2018	Loan Modification, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on File
Deed Sale	Jan 8, 2020 · Amount on File
Prior Sale	Jun 2, 2015 · Amount on File
Deed Document Number	1296382
Deed Book / Page	5117 / 792
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1607 CAIRO RD, GALLATIN, TN 37066-4830
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057900721
Date	Nov 23, 2021
Book Page	5790/721
Instrument	1392615

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 8, 2020
Property Address	1607 CAIRO RD, GALLATIN, TN 37066-4830
Document Number	0051170792
Book / Page	005117 / 000792
Instrument Date	Jan 6, 2020
Instrument	1296382
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	SOLOMON PARKS TITLE AND ESCROW L, SOLOMON PARKS TITLE & ESCROW L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,314.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1607 CAIRO RD GALLATIN TN 370664830, GALLATIN, TN 37066-4830

Mortgage

Document Number	51170796
Date	Jan 8, 2020
Book Page	005117/000796
Instrument	1296383

Lender

Name	WILSON BK&TR
Type	Bank
Address	LEBANON, TN 37087

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SUMNER TN
Recording Date	Nov 8, 2019
Property Address	1607 CAIRO RD, GALLATIN, TN 37066-4830
Document Number	0050730837
Book / Page	005073 / 000837
Instrument Date	Nov 8, 2019
Instrument	1289672
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1607 CAIRO RD GALLATIN TN 370664830, GALLATIN, TN 37066-4830

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUMNER TN
Property Address	1607 CAIRO RD, GALLATIN, TN 37066-4830
Document Number	0047430431
Instrument Date	Jan 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 4, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 CAIRO RD GALLATIN TN 370664830, GALLATIN, TN 37066-4830

Mortgage

Document Number	0047430431
Date	May 17, 2018
Book Page	004743/000431
Instrument	1232643

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1607 Cairo Rd was $2,225.

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	$2,225.00	$156,550 Land $54,400 Building $102,150
2024			$626,200 Land $217,600 Building $408,600
2023	$2,257.00 (-0.44%)	$100,200 (-) Land $41,750 Building $58,450
2022	$2,267.00	$100,200 Land $41,750 Building $58,450
2021			$400,800 Land $167,000 Building $233,800

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 1607 Cairo Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	9 (2002–2019)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Feb 2019 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 6 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

Wildfire risk around 1607 Cairo Rd 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	Direct burnable vegetation

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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cumberland Connect.

Cell Coverage

5G (outdoors only) and 4G LTE

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