Sumner County property record for 518 Bay Point Dr, Gallatin, TN 37066
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 2,880 sqft · built 2006 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $800,000 (Aug 2023) |
| Tax Bill | $4,457 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083136E C 01200 |
| Primary APN | 083136E C 01200 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,880 sqft Living Area |
| Gross Area | 6,686 sqft |
| 1st Floor Area | 2,586 sqft |
| Upper Floors Area | 484 sqft |
| Basement Area | 2,590 sqft |
| Unfinished Basement | 2,590 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| 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 |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 4,600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 960 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 550 sqft |
| Canopy | 720 sqft |
| Boat Access | Boat Access |
| Boat House | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 518 BAY POINT DR |
|---|---|
| City | GALLATIN |
| State | TN |
| Zip | 37066-4488 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT: 19-19 PAGE: 114-24 BLOCK: LOT: 123-123 SUBD: WOODHAVEN ON THE LAKE RESU |
| Legal Subdivision | WOODHAVEN ON THE LAK |
| Legal Lot Number | 123-123 |
| Jurisdiction | SUMNER TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20501 |
518 Bay Point Dr is owned and occupied by an individual who bought it in August 2023.
Source: Sumner County records, as of July 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Line of Credit CAPSTAR BANK |
| Jun 21, 2019 | Deed of Trust, Mortgage · ARM SUNTRUST BANK |
| Aug 14, 2020 | Deed of Trust, Mortgage · Line of Credit FIRSTBANK |
| Oct 26, 2020 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2023 · Amount on File |
| Deed Sale | Aug 4, 2023 · Amount on File |
| Prior Sale | Oct 26, 2020 · Amount on File |
| Deed Document Number | 20231457836 |
| Deed Book / Page | 6211 / 759 |
| Prior Transfer Date | Nov 1, 2004 |
| Prior Transfer Doc | 0021320456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057500754 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 5750/754 |
| Instrument | 1386981 |
| Name | CAPSTAR BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 31, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049680564 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 4968/564 |
| Instrument | 1272929 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.47% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.47% |
| Index | 1-Year LIBOR |
| Max Rate | 8.47% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMNER TN |
| Property Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Document Number | 0053080212 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 5308/212 |
| Instrument | 1323917 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 7, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMNER TN |
| Recording Date | Oct 26, 2020 |
| Property Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Document Number | 0053830177 |
| Book / Page | 5383 / 177 |
| Map Reference | MB 19 PG 114 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 1334509 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,272.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 BAY POINT DR, GALLATIN, TN 37066-4488 |
| Document Number | 5383180 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 5383/180 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 518 Bay Point Dr was $4,457.
Source: Sumner County assessment roll, as of January 21, 2026
| 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 | $4,457.00 | $313,675 Land $108,000 Building $205,675 | |
| 2024 | $1,254,700 Land $432,000 Building $822,700 | ||
| 2023 | $6,862.00 (-0.32%) | $224,800 (-) Land $102,950 Building $121,850 | |
| 2022 | $6,884.00 | $224,800 Land $102,950 Building $121,850 | |
| 2021 | $899,200 Land $411,800 Building $487,400 |
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.
FEMA maps place 518 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 518 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 94% of the US · lower than 95% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 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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