497 Black Walnut Dr, Gallatin, TN 37066 Property Records

Sumner County property record for 497 Black Walnut Dr, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 2,496 sqft · built 2022
Lot Size	0.206 acres (8,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Dec 2025)
Tax Bill	$1,789 (2025)
Deeds & Mortgages	May 2026 Construction Loan Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083115O B 04100`

Property Details

APN / Parcel Number

Primary APN	`083115O B 04100`
Alternative APN	`115O B 04100`

Interior

Full Baths	3.25 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,503 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,982 sqft
Terrain	Rolling
Garage Type	Finished
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	384 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	497 BLACK WALNUT DR
City	GALLATIN
State	TN
Zip	37066-4983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PB33 PG380 LT596
Legal Subdivision	CARELLTON PH 6
Legal Lot Number	596
Jurisdiction	SUMNER TN
Township / Civil Division	4
Census Block Group	1
Census Block	1042
Census Tract	20502

Owner

Source: Sumner County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Construction Mortgage FIFTH THIRD BANK
Dec 8, 2025	Warranty Deed, Transfer · Conventional Mortgage MODERN MORTGAGE LENDING INC
Feb 1, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Deed Document Number	20251535198
Deed Book / Page	6739 / 213
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Recording Date	May 20, 2026
Property Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983
Document Number	0001551718
Book / Page	6855 / 427
Instrument Date	Apr 11, 2026
Instrument	20261551718
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983
Investor	Possibly a Property Investor

Mortgage

Document Number	0001551718,
Date	May 20, 2026
Book Page	6855/427
Instrument	20261551718

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.11%
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Dec 8, 2025
Property Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983
Document Number	0067390213
Book / Page	6739 / 213
Map Reference	MB 33 PG 380
Instrument Date	Dec 5, 2025
Instrument	1535198
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	UNKNOWN, TN TTL SVCS LLC HENDERSONVIL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983

Mortgage

Document Number	0006739216
Date	Dec 8, 2025
Instrument	6739/216

Lender

Name	MODERN MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

February 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Feb 1, 2023
Property Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983
Document Number	0061070391
Book / Page	6107 / 391
Map Reference	MB 33 PG 380
Instrument Date	Jan 31, 2023
Instrument	1441591
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,053.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 BLACK WALNUT DR, GALLATIN, TN 37066-4983

Mortgage

Document Number	0006107394
Date	Feb 1, 2023
Instrument	6107/394

Lender

Name	HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

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	$1,789.00 (-29.48%)	$125,875 (+51.43%) Land $22,500 Building $103,375
2024			$503,500 (+51.43%) Land $90,000 Building $413,500
2023	$2,537.00	$83,125 Land $12,000 Building $71,125
2021			$332,500 (-40.08%) Land $48,000 Building $284,500
			$554,900

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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	23 (1993–2024)
Claims Outside the SFHA	9 of 23
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 · 10 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 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	WHITE HOUSE UTILITY DISTRICT serves 130,411 people · EPA ID TN0000745
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2026–2028) 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Cumberland Connect, Verizon.

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