Sumner County property record for 2045 Morgans Way, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,865 sqft · built 2001 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,195,500 (Dec 2021) |
| Tax Bill | $2,575 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Feb 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083166 02100 |
| Primary APN | 083166 02100 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,865 sqft Living Area |
| Gross Area | 3,278 sqft |
| 1st Floor Area | 1,604 sqft |
| Upper Floors Area | 2,101 sqft |
| Basement Area | 1,051 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,640 sqft (0.91 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 575 sqft |
| Driveway | Driveway |
| Driveway Area | 1,716 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
| Porch | Slab |
| Porch Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2045 MORGANS WAY |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-5746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | PLAT: 17 PAGE: 26 BLOCK: LOT: 22 SUBD: CAGES FORD |
| Legal Subdivision | CAGES FORD |
| Legal Lot Number | 22 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 21203 |
2045 Morgans Way is owned and occupied by two individuals who bought it in December 2021.
Source: Sumner County records, as of April 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Feb 23, 2021 | Quit Claim Deed, Transfer GREENVUE TITLE AND ESCROW LLC, GREENVUE TITLE & ESCROW LLC |
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit SIMMONS BANK |
| Sep 29, 2020 | Deed of Trust, Mortgage · VA Mortgage F & M BANK |
| Aug 27, 2018 | Warranty Deed, Transfer · VA Mortgage F & M BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on File |
| Deed Sale | Dec 30, 2021 · Amount on File |
| Prior Sale | Feb 22, 2021 · Amount on File |
| Deed Document Number | 20211397657 |
| Deed Book / Page | 5826 / 640 |
| Prior Transfer Date | Feb 17, 2021 |
| Prior Transfer Doc | 0055060220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Feb 22, 2021 |
| Property Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Number | 0055020810 |
| Book / Page | 5502 / 810 |
| Map Reference | MB 1088 PG 723 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 1351067 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,512.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Number | 5502813 |
|---|---|
| Date | Feb 22, 2021 |
| Instrument | 5502/813 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Feb 23, 2021 |
| Property Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Number | 0055060220 |
| Book / Page | 5506 / 220 |
| Map Reference | MB 17 PG 16 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 1351511 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | GREENVUE TITLE AND ESCROW LLC, GREENVUE TITLE & ESCROW LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047570151 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 4757/151 |
| Instrument | 1235048 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Address | GALLATIN, TN 37066 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 4, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WARRANTY TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0053560771 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5356/771 |
| Instrument | 1330816 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, TN 37040 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Aug 27, 2018 |
| Property Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Number | 0048020325 |
| Book / Page | 4802 / 325 |
| Map Reference | MB 1088 PG 719 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 1243253 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | WARRANTY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,886.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2045 MORGANS WAY, GALLATIN, TN 37066-5746 |
| Document Number | 1243254 |
|---|---|
| Date | Aug 27, 2018 |
| Instrument | 1243254 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 2045 Morgans Way was $2,575.
Source: Sumner County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,575.00 | $181,200 Land $35,825 Building $145,375 | |
| 2024 | $724,800 Land $143,300 Building $581,500 | ||
| 2023 | $2,975.00 (-0.44%) | $132,100 (-) Land $33,300 Building $98,800 | |
| 2022 | $2,988.00 | $132,100 Land $33,300 Building $98,800 | |
| 2021 | $528,400 Land $133,200 Building $395,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2045 Morgans Way in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 2009.
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 |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 2045 Morgans Way 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 93% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 18 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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