445 Bell Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 445 Bell Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,061 sqft · built 1974
Lot Size	4.9 acres (213,444 sqft)
Owner	Individual Name on File
Last Sale	$638,378 (Dec 2021)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083148 10100`

Property Details

APN / Parcel Number

Primary APN	`083148 10100`
Alternative APN	`148 10100`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,061 sqft Living Area
Gross Area	4,698 sqft
1st Floor Area	2,061 sqft
Basement Area	2,001 sqft
Finished Basement	2,001 sqft
Unfinished Basement	2,001 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	213,444 sqft (4.9 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	2,900 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	330 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	445 BELL RD
City	GALLATIN
State	TN
Zip	37066-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 0007 PAGE: 0030 BLOCK: LOT: 0018 SUBD: BELLWOOD ESTATES
Legal Subdivision	BELLWOOD ESTATES
Legal Lot Number	18
Jurisdiction	SUMNER TN
Township / Civil Division	6
Census Block Group	2
Census Block	2023
Census Tract	20903

Owner

445 Bell Rd is owned and occupied by an individual who bought it in December 2021.

Source: Sumner County records, as of September 2, 2026

Owner of Record	Individual Name on File
Mailing Address	445 BELL RD, GALLATIN, TN 37066-5221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

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
Jun 29, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 1, 2021	Warranty Deed, Transfer · VA Mortgage EUSTIS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Mar 20, 2014 · Amount on File
Deed Document Number	20211393581
Deed Book / Page	5797 / 225
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Recording Date	Jun 29, 2026
Property Address	445 BELL RD, GALLATIN, TN 37066-5221
Document Number	0001555736
Book / Page	6883 / 766
Instrument Date	Jun 20, 2026
Instrument	20261555736
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 BELL RD, GALLATIN, TN 37066-5221

Mortgage

Document Number	0001555736,
Date	Jun 29, 2026
Book Page	6883/766
Instrument	20261555736

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Dec 1, 2021
Property Address	445 BELL RD, GALLATIN, TN 37066-5221
Document Number	0057970225
Book / Page	5797 / 225
Map Reference	MB 7 PG 30
Instrument Date	Nov 30, 2021
Instrument	1393581
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	LEGENDS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,349.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 RAYMOND HIRSCH PKWY STE A, A, WHITE HOUSE, TN 37188-8220

Mortgage

Document Number	0005797227
Date	Dec 1, 2021
Instrument	5797/227

Lender

Name	EUSTIS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 445 Bell Rd was $2,190.

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

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	$2,190.00	$154,100 Land $54,375 Building $99,725
2024			$616,400 Land $217,500 Building $398,900
2023	$2,198.00 (-0.32%)	$72,025 (-) Land $24,775 Building $47,250
2022	$2,205.00	$72,025 Land $24,775 Building $47,250
2021			$288,100 Land $99,100 Building $189,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 445 Bell Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2010.

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	7 in force
Nearby Flood Claims	11 (2010–2015)
Claims Outside the SFHA	10 of 11
Most Recent Claim	Aug 2015 · other causes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 7 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 445 Bell 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	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 51 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

Cell Coverage

5G (outdoors only) and 4G LTE

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