482 Bay Point Dr, Gallatin, TN 37066 Property Records

Sumner County property record for 482 Bay Point Dr, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 3,448 sqft · built 2009
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Company Names on File
Last Sale	$950,000 (Jun 2018)
Tax Bill	$4,820 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083136E D 01400`

Property Details

APN / Parcel Number

Primary APN	`083136E D 01400`
Alternative APN	`136E D 01400`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,448 sqft Living Area
Gross Area	7,577 sqft
1st Floor Area	2,154 sqft
Upper Floors Area	1,384 sqft
Basement Area	2,207 sqft
Unfinished Basement	2,207 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Terrain	Rolling
Driveway	Driveway
Driveway Area	3,600 sqft

Exterior Amenities

Pool Area	840 sqft
Porch	Slab
Porch Area	1,919 sqft
Canopy	700 sqft
Boat Access	Boat Access
Boat House	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	482 BAY POINT DR
City	GALLATIN
State	TN
Zip	37066-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 19-19 PAGE: 115-23 BLOCK: LOT: 97-97 SUBD: WOODHAVEN ON THE LAKE RESU
Legal Subdivision	WOODHAVEN ON THE LAK
Legal Lot Number	97-97
Jurisdiction	SUMNER TN
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	20501

Owner

482 Bay Point Dr is owned by a company that acquired it in June 2025.

Source: Sumner County records, as of January 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	482 BAY POINT DR, GALLATIN, TN 37066-7408
Owner Type	Company
Vesting	Life Tenant

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
Sep 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jun 8, 2018	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2018 · Amount on File
Deed Sale	Jun 8, 2018 · Amount on File
Prior Sale	Sep 19, 2002 · Amount on File
Deed Document Number	20181234833
Deed Book / Page	4756 / 121
Last Transfer Date	Jun 19, 2025
Transfer Doc	0066310300
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	482 BAY POINT DR, GALLATIN, TN 37066-7408
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060420690
Date	Sep 29, 2022
Book Page	6042/690
Instrument	1431222

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jun 8, 2018
Property Address	482 BAY POINT DR, GALLATIN, TN 37066-7408
Document Number	0047560121
Book / Page	4756 / 121
Map Reference	MB 19 PG 115
Instrument Date	Jun 6, 2018
Instrument	1234833
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,515.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	482 BAY POINT DR, GALLATIN, TN 37066-7408

Mortgage

Document Number	1234834
Date	Jun 8, 2018
Instrument	1234834

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 482 Bay Point Dr was $4,820.

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	$4,820.00	$339,175 Land $108,000 Building $231,175
2024			$1,356,700 Land $432,000 Building $924,700
2023	$7,344.00 (-0.33%)	$240,625 (-) Land $102,950 Building $137,675
2022	$7,368.00	$240,625 Land $102,950 Building $137,675
2021			$962,500 Land $411,800 Building $550,700

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

FEMA maps place 482 Bay Point Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	10 (2007–2013)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Aug 2013 · other causes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 8 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 482 Bay Point Dr is low, with less than 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 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.

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 174 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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