194 Sumner Ave, Gallatin, TN 37066 Property Records

Sumner County property record for 194 Sumner Ave, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,945 sqft · built 1973
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2018)
Tax Bill	$1,183 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083126L A 02500`

Property Details

APN / Parcel Number

Primary APN	`083126L A 02500`
Alternative APN	`126L A 02500`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,945 sqft Living Area
Gross Area	2,841 sqft
1st Floor Area	1,945 sqft
Basement Area	625 sqft
Finished Basement	625 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	829 sqft
Carport	Carport
Carport Area	829 sqft
Driveway	Driveway
Driveway Area	1,200 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	67 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	194 SUMNER AVE
City	GALLATIN
State	TN
Zip	37066-3713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 3 PAGE: 3 BLOCK: F LOT: 7-11 SUBD: GREEN PARK S/D
Legal Subdivision	GREEN PARK S/D
Legal Block	F
Legal Lot Number	7-11
Jurisdiction	SUMNER TN
Township / Civil Division	5
Census Block Group	2
Census Block	2011
Census Tract	20904

Owner

194 Sumner Ave is owned and occupied by an individual who acquired it in June 2022.

Source: Sumner County records, as of January 21, 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 File
Mailing Address	194 SUMNER AVE, GALLATIN, TN 37066-3713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Intrafamily Transfer, Transfer · FHA Mortgage JLB CORP
May 18, 2018	Warranty Deed, Transfer · ARM ASCEND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Mar 14, 2000 · Amount on File
Deed Document Number	20181232751
Deed Book / Page	4744 / 111
Last Transfer Date	Jun 8, 2022
Transfer Doc	0059660202
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMNER TN
Recording Date	Jun 14, 2022
Property Address	194 SUMNER AVE, GALLATIN, TN 37066-3713
Document Number	0059660202
Book / Page	5966 / 202
Map Reference	MB 3 PG 3
Instrument Date	Jun 8, 2022
Instrument	1419035
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	COPPER TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SUMNER AVE, GALLATIN, TN 37066-3713

Mortgage

Document Number	0005966206
Date	Jun 14, 2022
Instrument	5966/206

Lender

Name	JLB CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	May 18, 2018
Property Address	194 SUMNER AVE, GALLATIN, TN 37066-3713
Document Number	0047440111
Book / Page	4744 / 111
Map Reference	MB 3 PG 3
Instrument Date	May 17, 2018
Instrument	1232751
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SUMNER AVE, GALLATIN, TN 37066-3713

Mortgage

Document Number	1232752
Date	May 18, 2018
Instrument	1232752

Lender

Name	ASCEND FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jun 1, 2023
Change Frequency	5 Years
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	5-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 194 Sumner Ave was $1,183.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,183.00	$83,250 Land $21,250 Building $62,000
2024			$333,000 Land $85,000 Building $248,000
2023	$1,389.00 (-0.29%)	$45,500 (-) Land $10,000 Building $35,500
2022	$1,393.00	$45,500 Land $10,000 Building $35,500
2021			$182,000 Land $40,000 Building $142,000

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

FEMA maps place 194 Sumner Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 194 Sumner Ave is low, with less than 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 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 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	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 404 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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