494 Ryan Ave, Gallatin, TN 37066 Property Records

Sumner County property record for 494 Ryan Ave, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,961 sqft · built 2016
Owner	Individual Name on File
Last Sale	$520,000 (Jan 2024)
Tax Bill	$2,123 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083135B G 02300`

Property Details

APN / Parcel Number

Primary APN	`083135B G 02300`
Alternative APN	`135B G 02300`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,961 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Terrain	Rolling
Garage Type	Finished
Driveway	Driveway
Driveway Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	494 RYAN AVE
City	GALLATIN
State	TN
Zip	37066-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB29 PG222 LT140
Legal Subdivision	ELK ACRES SEC5 LT140
Legal Block	222
Legal Lot Number	140
Jurisdiction	SUMNER TN
Township / Civil Division	5
Census Block Group	2
Census Block	2044
Census Tract	20905

Owner

494 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	494 RYAN AVE, GALLATIN, TN 37066-2754
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2024 · Amount on File
Deed Sale	Jan 18, 2024 · Amount on File
Prior Sale	Dec 19, 2016 · Amount on File
Deed Document Number	1470946
Deed Book / Page	6296 / 382
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jan 18, 2024
Property Address	494 RYAN AVE, GALLATIN, TN 37066-2754
Document Number	0062960382
Book / Page	6296 / 382
Map Reference	MB 29 PG 222&223
Instrument Date	Jan 8, 2024
Instrument	1470946
Transaction Type	Transfer
Record Updated	Feb 27, 2024
Title Company	NOT AVAILABLE, FOUNDATION T&E SERIES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,924.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 RYAN AVE, GALLATIN, TN 37066-2754

Mortgage

Document Number	0006296385
Date	Jan 18, 2024
Instrument	6296/385

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 494 Ryan Ave was $2,123.

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	$2,123.00	$149,400 Land $21,250 Building $128,150
2024			$597,600 Land $85,000 Building $512,600
2023	$2,849.00 (-0.35%)	$93,350 (-) Land $13,250 Building $80,100
2022	$2,859.00	$93,350 Land $13,250 Building $80,100
2021			$373,400 Land $53,000 Building $320,400

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 494 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

Wildfire risk around 494 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.

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 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