425 E Main St, Gallatin, TN 37066 Property Records

Sumner County property record for 425 E Main St, Gallatin, TN 37066

Property Summary

Property Type	Bank, Financial Building
Details	3.5 ba · 5,984 sqft · built 1980
Lot Size	0.361 acres (15,768 sqft)
Owner	Company Name on File
Last Sale	$870,000 (Mar 2022)
Tax Bill	$5,441 (2025)
Deeds & Mortgages	Mar 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`083126D B 00100`

Property Details

APN / Parcel Number

Primary APN	`083126D B 00100`
Alternative APN	`126D B 00100`

Interior

Full Baths	3.5 Baths
Stories	1 Story
Building Area	5,984 sqft Total Area
1st Floor Area	2,751 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	15,768 sqft (0.361 acres)
Lot Dimensions	219 ft deep x 72 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	49 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	425 E MAIN ST
City	GALLATIN
State	TN
Zip	37066-2982
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	DISTRICT: 03 COMMERCE UNION BANK, COUNTY AREA: B01
Legal Subdivision	TOMKINS ADD
Legal Lot Number	4
Jurisdiction	SUMNER TN
Township / Civil Division	5
Census Block Group	4
Census Block	4000
Census Tract	20700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	220 WOLF HILL RIDGE RD, BETHPAGE, TN 37022-8501
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Prior Sale	May 6, 2009 · Amount on Record
Deed Document Number	0005893788
Deed Book / Page	3124 / 123
Prior Transfer Date	May 8, 2009
Prior Transfer Doc	916717
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Mar 18, 2022
Property Address	425 E MAIN ST, GALLATIN, TN 37066-2982
Document Number	0058930788
Book / Page	5893 / 788
Map Reference	MB 61 PG 241
Instrument Date	Mar 16, 2022
Instrument	1407935
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,219.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WOLF HILL RIDGE RD, BETHPAGE, TN 37022-8501

Mortgage

Document Number	0005893791
Date	Mar 18, 2022
Instrument	5893/791

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 16, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,441.00 (-26.71%)	$382,920 (+57.42%) Land $43,520 Building $339,400
2024			$957,300 (+57.42%) Land $108,800 Building $848,500
2023	$7,424.00 (-0.32%)	$243,240 (-) Land $25,600 Building $217,640
2022	$7,448.00	$243,240 Land $25,600 Building $217,640
2021			$608,100 Land $64,000 Building $544,100

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	15 (1984–2024)
Claims Outside the SFHA	3 of 15
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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

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 211 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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20