2249B Cairo Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 2249B Cairo Rd, Gallatin, TN 37066

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 2,528 sqft · built 2016
Lot Size	65.7 acres (2,861,892 sqft)
Owner	Individual Name on File
Tax Bill	$2,817 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`083133 00301`

Property Details

APN / Parcel Number

Primary APN	`083133 00301`
Alternative APN	`133 00301`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,528 sqft Living Area
Gross Area	5,800 sqft
1st Floor Area	2,528 sqft
Basement Area	2,341 sqft
Finished Basement	1,015 sqft
Unfinished Basement	1,326 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,861,892 sqft (65.7 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	625 sqft
Driveway	Driveway
Driveway Area	1,160 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2249B CAIRO RD
City	GALLATIN
State	TN
Zip	37066-8406
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	GB #6088 FOR 2015
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1008
Census Tract	20603

Owner

2249B Cairo Rd, a rural home, is owned by an individual who acquired it in February 2020.

Source: Sumner County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2249 CAIRO RD, B, GALLATIN, TN 37066-8406
Owner Type	Individual
Vesting	Et Ux (and Wife)

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

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANT BANK
Dec 22, 2020	Loan Modification, Mortgage · Conventional Mortgage WILSON BK&TR
Apr 22, 2020	Deed of Trust, Construction Loan · Line of Credit WILSON BK&TR
Mar 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 27, 2020
Transfer Doc	0051550607
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	CAIRO RD, GALLATIN, TN 37066
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054860246
Date	Feb 1, 2021
Book Page	5486/246
Instrument	1348637

Lender

Name	RELIANT BANK
Type	Bank
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUMNER TN
Property Address	2249B CAIRO RD, GALLATIN, TN 37066-8406
Document Number	0054490420
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2249 CAIRO RD #B GALLATIN TN 370668406, B, GALLATIN, TN 37066-8406

Mortgage

Document Number	0054490420
Date	Dec 28, 2020
Book Page	005449/000420
Instrument	1343480

Lender

Name	WILSON BK&TR
Type	Bank
Address	GALLATIN, TN 37066

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Recording Date	Apr 22, 2020
Property Address	2249B CAIRO RD, GALLATIN, TN 37066-8406
Document Number	0051970483
Book / Page	005197 / 000483
Instrument Date	Apr 17, 2020
Instrument	1308584
Transaction Type	Construction Loan
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2249 CAIRO RD #B GALLATIN TN 370668406, B, GALLATIN, TN 37066-8406

Mortgage

Document Number	51970483
Date	Apr 22, 2020
Book Page	005197/000483
Instrument	1308584

Lender

Name	WILSON BK&TR
Type	Bank
Address	GALLATIN, TN 37066

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 21, 2021

Interest

Rate Type	Adjustable Rate

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMNER TN
Recording Date	Mar 2, 2020
Property Address	2249B CAIRO RD, GALLATIN, TN 37066-8406
Document Number	0051550607
Book / Page	005155 / 000607
Instrument Date	Feb 27, 2020
Instrument	1302618
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2249B CAIRO RD GALLATIN TN 370668406, GALLATIN, TN 37066-8406

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMNER TN
Recording Date	Feb 12, 2018
Property Address	2249B CAIRO RD, GALLATIN, TN 37066-8406
Document Number	0046900218
Book / Page	004690 / 000218
Instrument Date	Feb 12, 2018
Instrument	1223115
Transaction Type	Transfer
Record Updated	Feb 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2249B CAIRO RD GALLATIN TN 370668406, GALLATIN, TN 37066-8406

Tax Assessment & Valuation

The 2025 property tax bill for 2249B Cairo Rd was $2,817.

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	$2,817.00 Additional exemption filed	$198,275 Land $45,250 Building $153,025
2024			$1,374,300 Land $762,200 Building $612,100
2023	$2,963.00 (-0.44%) Additional exemption filed	$131,550 (-) Land $33,625 Building $97,925
2022	$2,976.00	$131,550 Land $33,625 Building $97,925
2021			$526,200 Land $134,500 Building $391,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2249B Cairo Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2002.

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 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

Wildfire risk around 2249B Cairo Rd 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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 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

May also be available: Verizon.

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