1608 Cairo Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 1608 Cairo Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,706 sqft · built 1965
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jan 2021)
Tax Bill	$1,079 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`083127 04500`

Property Details

APN / Parcel Number

Primary APN	`083127 04500`
Alternative APN	`127 04500`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,706 sqft Living Area
Gross Area	3,119 sqft
1st Floor Area	1,706 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1989
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Terrain	Rolling
Porch	Slab
Porch Area	543 sqft
Utility Building	630 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1608 CAIRO RD
City	GALLATIN
State	TN
Zip	37066-4828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PLAT: 19-1 PAGE: 71-24 BLOCK: LOT: 1 SUBD: HAYNES SUB RESUB
Legal Subdivision	HAYNES SUB RESUB-HAY
Legal Lot Number	1
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1033
Census Tract	20603

Owner

Source: Sumner County records, as of April 23, 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
Mailing Address	1608 CAIRO RD, GALLATIN, TN 37066-4828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Warranty Deed, Transfer · Conventional Mortgage LEGACY HOME LOANS LLC
Jan 29, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Prior Sale	Oct 2, 2001 · Amount on Record
Deed Document Number	20211348301
Deed Book / Page	5484 / 42
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 29, 2021
Property Address	1608 CAIRO RD, GALLATIN, TN 37066-4828
Document Number	0054840042
Book / Page	5484 / 42
Map Reference	MB 19 PG 71
Instrument Date	Jan 28, 2021
Instrument	1348301
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	SIGNATURE TITLE, SIGNATURE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 CAIRO RD, GALLATIN, TN 37066-4828

Mortgage

Document Number	548445
Date	Jan 29, 2021
Instrument	5484/45

Lender

Name	LEGACY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 29, 2021
Property Address	1608 CAIRO RD, GALLATIN, TN 37066-4828
Document Number	0054840040
Book / Page	5484 / 40
Map Reference	MB 19 PG 71
Instrument Date	Jan 27, 2021
Instrument	1348300
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 JASMINE LN, VERO BEACH, FL 32963-2296

Tax Assessment & Valuation

Source: Sumner County assessment roll, as of January 21, 2026

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	$1,079.00 (-2.18%)	$75,900 (+54.98%) Land $19,600 Building $56,300
2024			$303,600 (+54.98%) Land $78,400 Building $225,200
2023	$1,103.00 (-0.45%)	$48,975 (-) Land $23,975 Building $25,000
2022	$1,108.00	$48,975 Land $23,975 Building $25,000
2021			$195,900 Land $95,900 Building $100,000

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 47 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
Cumberland Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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