322 Cloverbrook Way, Gallatin, TN 37066 Property Records

Sumner County property record for 322 Cloverbrook Way, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,420 sqft · built 2020
Owner	2 Individual Names on Record
Last Sale	$310,990 (Oct 2020)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083124B D 02000`

Property Details

APN / Parcel Number

Primary APN	`083124B D 02000`
Alternative APN	`124B D 02000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,420 sqft Living Area
Upper Floors Area	132 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Terrain	Rolling
Driveway	Driveway
Driveway Area	442 sqft
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	322 CLOVERBROOK WAY
City	GALLATIN
State	TN
Zip	37066-3266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB31 PG291 LOT407
Legal Block	291
Legal Lot Number	407
Jurisdiction	SUMNER TN
Township / Civil Division	4
Census Block Group	1
Census Block	1042
Census Tract	20502

Owner

Source: Sumner County records, as of January 19, 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	2 Individual Names on Record
Mailing Address	322 CLOVERBROOK WAY, GALLATIN, TN 37066-3266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · Line of Credit TIMOTHY WHEELER
Oct 8, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	1332327
Deed Book / Page	5367 / 672
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	322 CLOVERBROOK WAY, GALLATIN, TN 37066-3266
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063510119
Date	Apr 26, 2024
Book Page	6351/119
Instrument	1479311

Lender

Name	TIMOTHY WHEELER
Type	Non-Lending Institution
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Oct 8, 2020
Property Address	322 CLOVERBROOK WAY, GALLATIN, TN 37066-3266
Document Number	0053670672
Book / Page	5367 / 672
Map Reference	MB 31 PG 291
Instrument Date	Oct 6, 2020
Instrument	1332327
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 7, 2021
Title Company	FOUNDATION TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 CLOVERBROOK WAY, GALLATIN, TN 37066-3266

Mortgage

Document Number	5367677
Date	Oct 8, 2020
Instrument	5367/677

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Sumner County assessment roll, as of May 20, 2025

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	$1,578.00 (-31.21%)	$111,075 (+47.76%) Land $22,500 Building $88,575
2024			$444,300 (+47.76%) Land $90,000 Building $354,300
2023	$2,294.00 (-0.3%)	$75,175 (-) Land $12,000 Building $63,175
2022	$2,301.00	$75,175 Land $12,000 Building $63,175
2021			$300,700 Land $48,000 Building $252,700

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

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 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	23 (1993–2024)
Claims Outside the SFHA	9 of 23
Most Recent Claim	May 2024 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2024 · 2 claims Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 10 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

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

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	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

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 215 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

May also be available: Verizon.

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