1610 Cairo Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 1610 Cairo Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,465 sqft · built 1930
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$727 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083127 04502`

Property Details

APN / Parcel Number

Primary APN	`083127 04502`
Alternative APN	`127 04502`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,465 sqft Living Area
Gross Area	1,534 sqft
1st Floor Area	957 sqft
Attic	Attic
Attic Area	960 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1984
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	390 ft deep x 125 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1610 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: 1 PAGE: 24 BLOCK: B LOT: 1-5 SUBD: HAYNES
Legal Subdivision	HAYNES
Legal Block	B
Legal Lot Number	IST
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1033
Census Tract	20603

Owner

Source: Sumner County records, as of September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1610 CAIRO RD, GALLATIN, TN 37066-4828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage F & M BANK
Sep 13, 2018	Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2022
Deed Sale	Nov 7, 2022
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	20221434834
Deed Book / Page	6065 / 573
Prior Transfer Date	Jun 17, 2008
Prior Transfer Doc	0029790755
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Nov 7, 2022
Property Address	1610 CAIRO RD, GALLATIN, TN 37066-4828
Document Number	0060650573
Book / Page	6065 / 573
Map Reference	MB 1 PG 24
Instrument Date	Nov 4, 2022
Instrument	1434834
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	STEWART TITLE COMPANY-MIDLAND DIV, STEWART TITLE COMPANY TN DIV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,202.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 CAIRO RD, GALLATIN, TN 37066-4828

Mortgage

Document Number	0006065576
Date	Nov 7, 2022
Instrument	6065/576

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	1610 CAIRO RD, GALLATIN, TN 37066-4828
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056480245
Date	Jul 6, 2021
Book Page	5648/245
Instrument	1372031

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Sep 13, 2018
Property Address	1610 CAIRO RD, GALLATIN, TN 37066-4828
Document Number	0048130613
Book / Page	4813 / 613
Map Reference	MB 1 PG 24
Instrument Date	Sep 10, 2018
Instrument	1245116
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	TENNESSEE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$747.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 CAIRO RD, GALLATIN, TN 37066-4828

Mortgage

Document Number	1245117
Date	Sep 13, 2018
Instrument	1245117

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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	$727.00 (-32.43%)	$51,150 (+7.06%) Land $18,750 Building $32,400
2024			$204,600 (+7.06%) Land $75,000 Building $129,600
2023	$1,076.00 (-0.46%)	$47,775 (-) Land $23,625 Building $24,150
2022	$1,081.00	$47,775 Land $23,625 Building $24,150
2021			$191,100 Land $94,500 Building $96,600

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 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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