3106 Sumner Dr, Westmoreland, TN 37186 Property Records

Sumner County property record for 3106 Sumner Dr, Westmoreland, TN 37186

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,238 sqft · built 1930
Lot Size	0.397 acres (17,280 sqft)
Owner	Individual Name on File
Last Sale	$53,600 (Jun 1997)
Tax Bill	$717 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`083044F C 01000`

Property Details

APN / Parcel Number

Primary APN	`083044F C 01000`
Alternative APN	`044F C 01000`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,238 sqft Living Area
Gross Area	1,366 sqft
1st Floor Area	952 sqft
Upper Floors Area	952 sqft
Basement Area	96 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1984
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,280 sqft (0.397 acres)
Lot Dimensions	216 ft deep x 80 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	1,920 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3106 SUMNER DR
City	WESTMORELAND
State	TN
Zip	37186-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 12, COUNTY AREA: Q01
Jurisdiction	SUMNER TN
Township / Civil Division	1
Census Block Group	2
Census Block	2010
Census Tract	20101

Owner

3106 Sumner Dr is owned and occupied by an individual who bought it in June 1997.

Source: Sumner County records, as of October 13, 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	3106 SUMNER DR, WESTMORELAND, TN 37186-2201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 1997 · Amount on File
Deed Sale	Jun 11, 1997 · Amount on File
Deed Document Number	1997268264
Deed Book / Page	704 / 226
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	3106 SUMNER DR, WESTMORELAND, TN 37186-2201
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	WARRANTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 SUMNER DR, WESTMORELAND, TN 37186-2201

Mortgage

Document Number	0061350744
Date	Mar 29, 2023
Book Page	6135/744
Instrument	1446247

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	HENDERSONVILLE, TN 37075

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 27, 2043

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Sumner County
Municipality	Westmoreland Town
Unified School District	Sumner County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$717.00 (-34.52%)	$50,475 (+55.91%) Land $12,500 Building $37,975
2024			$201,900 (+55.91%) Land $50,000 Building $151,900
2023	$1,095.00 (-0.27%)	$32,375 (-) Land $7,650 Building $24,725
2022	$1,098.00	$32,375 Land $7,650 Building $24,725
2021			$129,500 Land $30,600 Building $98,900

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

Flood

FEMA maps place 3106 Sumner Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 12, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3106 Sumner Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WESTMORELAND WATER SYSTEM serves 6,330 people · EPA ID TN0000738
Water Source	Purchased surface water from GALLATIN WATER DEPARTMENT
Last State Inspection	Nov 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
North Central Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20