Sumner County property record for 401 Ryan Ave, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,491 sqft · built 2024 |
| Owner | Individual Name on File |
| Last Sale | $413,705 (Jan 2024) |
| Tax Bill | $1,733 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jan 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083135C H 06900 |
| Primary APN | 083135C H 06900 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,491 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Siding |
| Terrain | Rolling |
| Garage Type | Finished |
| Driveway | Driveway |
| Driveway Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 401 RYAN AVE |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-2790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:175 DIST:00 CITY/MUNI/TWP:GALLATIN SUBD:WINDSONG PH 2C MAP REF:135 |
| Legal Subdivision | WINDSONG PH 2C |
| Legal Lot Number | 175 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 20905 |
401 Ryan Ave is owned and occupied by an individual who bought it in January 2024.
Source: Sumner County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| 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 |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 26, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Oct 23, 2023 | Special Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2024 · Amount on File |
| Deed Sale | Jan 26, 2024 · Amount on File |
| Prior Sale | Oct 23, 2023 · Amount on File |
| Deed Document Number | 0006301804 |
| Deed Book / Page | 6301 / 804 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| Document Number | 0067580064 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 6758/64 |
| Instrument | 1537844 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.75% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.75% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Jan 26, 2024 |
| Property Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| Document Number | 0063010804 |
| Book / Page | 6301 / 804 |
| Map Reference | MB 35 PG 189-192 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 1471831 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,530.71 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| Document Number | 0006301807 |
|---|---|
| Date | Jan 26, 2024 |
| Instrument | 6301/807 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Oct 23, 2023 |
| Property Address | 401 RYAN AVE, GALLATIN, TN 37066-2790 |
| Document Number | 0062550503 |
| Book / Page | 6255 / 503 |
| Map Reference | MB 35 PG 189-192 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 1464683 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $309.21 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 INNOVATION DR STE 200, 200, FRANKLIN, TN 37067-6015 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 401 Ryan Ave was $1,733.
Source: Sumner County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Sumner County |
| Municipality | Gallatin City |
| Unified School District | Sumner County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,733.00 | $121,975 Land $21,250 Building $100,725 | |
| 2024 | $487,900 Land $85,000 Building $402,900 | ||
| 2023 | $481.00 | $15,750 Land $15,750 | |
| 2021 | $63,000 Land $63,000 |
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 401 Ryan Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | May 2024 · Severe Storms, Tornadoes, And Flooding |
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 401 Ryan Ave 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 | None beyond ember reach |
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 | GALLATIN WATER DEPARTMENT serves 65,964 people · EPA ID TN0000253 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| 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 | 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 427 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 |
| Verizon Fixed Wireless | 300 / 20 |
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