Sumner County property record for 485 Bay Point Dr, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,680 sqft · built 2004 |
| Lot Size | 0.269 acres (11,733 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $45,000 (Mar 2001) |
| Tax Bill | $3,491 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083136E D 02100 |
| Primary APN | 083136E D 02100 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,680 sqft Living Area |
| 1st Floor Area | 2,227 sqft |
| Upper Floors Area | 2,421 sqft |
| Basement Area | 2,191 sqft |
| Unfinished Basement | 2,191 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,733 sqft (0.269 acres) |
| Lot Dimensions | 70.3 ft deep x 166 ft wide |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Driveway Area | 1,800 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 485 BAY POINT DR |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-7470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT: 19-19 PAGE: 115-23 BLOCK: LOT: 104-104 SUBD: WOODHAVEN ON THE LAKE RESU |
| Legal Subdivision | WOODHAVEN ON THE LAK |
| Legal Lot Number | 104-104 104 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20501 |
The current owner of 485 Bay Point Dr bought it in March 2001.
Source: Sumner County records, as of January 19, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 485 BAY POINT DR, GALLATIN, TN 37066-7470 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 27, 2018 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Apr 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RELIANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2001 · Amount on File |
| Deed Sale | Mar 19, 2001 · Amount on File |
| Deed Document Number | 549971 |
| Deed Book / Page | 1223 / 680 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 485 BAY POINT DR, GALLATIN, TN 37066-7470 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056430411 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 5643/411 |
| Instrument | 1371314 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 485 BAY POINT DR, GALLATIN, TN 37066-7470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047320213 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 4732/213 |
| Instrument | 1230688 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 485 BAY POINT DR, GALLATIN, TN 37066-7470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051870379 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 5187/379 |
| Instrument | 1307203 |
| Name | RELIANT BANK |
|---|---|
| Type | Bank |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
The 2025 property tax bill for 485 Bay Point Dr was $3,491.
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 | $3,491.00 | $245,675 Land $43,750 Building $201,925 | |
| 2024 | $982,700 Land $175,000 Building $807,700 | ||
| 2023 | $4,020.00 (-0.32%) | $131,700 (-) Land $22,000 Building $109,700 | |
| 2022 | $4,033.00 | $131,700 Land $22,000 Building $109,700 | |
| 2021 | $526,800 Land $88,000 Building $438,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 485 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 |
|
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 485 Bay Point Dr 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.
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 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 |
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