Sumner County property record for 2091 Cairo Rd, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,252 sqft · built 2017 |
| Lot Size | 5.97 acres (260,053 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $480,000 (Jun 2020) |
| Tax Bill | $1,931 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083127 03801 |
| Primary APN | 083127 03801 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 1,752 sqft |
| 1st Floor Area | 950 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 260,053 sqft (5.97 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 1,344 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2091 CAIRO RD |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-8404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 20603 |
Source: Sumner County records, as of January 21, 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 | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · Line of Credit VOLUNTEER STATE BANK |
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP |
| Jul 24, 2018 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Oct 15, 2020 | Deed of Trust, Mortgage FARM CREDIT MID AMERICA FLCA |
| Jun 24, 2020 | Warranty Deed, Transfer RELIANT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on Record |
| Deed Sale | Jun 24, 2020 · Amount on Record |
| Deed Document Number | 20201316660 |
| Deed Book / Page | 5255 / 691 |
| Prior Transfer Date | Oct 30, 1997 |
| Prior Transfer Doc | 0000407708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Document Number | 0060520837 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 6052/837 |
| Instrument | 1432847 |
| Name | VOLUNTEER STATE BANK |
|---|---|
| Type | Bank |
| Address | GALLATIN, TN 37066 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 7, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057250376 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 5725/376 |
| Instrument | 1383334 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Oct 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047820215 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 4782/215 |
| Instrument | 1239648 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 16, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Document Number | 0053730722 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 5373/722 |
| Instrument | 1333162 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | 34390 |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Nov 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Jun 24, 2020 |
| Property Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Document Number | 0052550691 |
| Book / Page | 5255 / 691 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 1316660 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | RUDY TITLE AND ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,776.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2091 CAIRO RD, GALLATIN, TN 37066-8404 |
| Document Number | 5255694 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 5255/694 |
| Name | RELIANT BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 | $1,931.00 (-13.99%) | $135,875 (+36.28%) Land $56,100 Building $79,775 | |
| 2024 | $543,500 (+36.28%) Land $224,400 Building $319,100 | ||
| 2023 | $2,245.00 (-0.44%) | $99,700 (-) Land $43,200 Building $56,500 | |
| 2022 | $2,255.00 | $99,700 Land $43,200 Building $56,500 | |
| 2021 | $398,800 Land $172,800 Building $226,000 |
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.
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 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 |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CASTALIAN SPRINGS-BETHPAGE U.D. serves 14,555 people · EPA ID TN0000097 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 15 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 |
| Cumberland Connect Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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