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628 E Main St, Gallatin, TN 37066 Property Records

Sumner County property record for 628 E Main St, Gallatin, TN 37066

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,605 sqft · built 1932
Lot Size0.407 acres (17,725 sqft)
Owner2 Individual Names on Record
Last Sale$785,000 (Aug 2024)
Tax Bill$2,269 (2025)
Deeds & MortgagesOct 2021 Line of Credit
Sep 2020 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN083113M F 00600

Property Details

APN / Parcel Number

Primary APN083113M F 00600
Alternative APN
  • 113M F 00600

Interior

Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories2 Stories
Building Area3,605 sqft Living Area
Gross Area6,417 sqft
1st Floor Area2,253 sqft
Upper Floors Area2,253 sqft
Basement Area2,253 sqft
Unfinished Basement2,253 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1932
Effective Year BuiltEffective 1999
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,725 sqft (0.407 acres)
Lot Dimensions220 ft deep x 80 ft wide
Garage TypeMixed
Garage Area900 sqft
DrivewayDriveway
Driveway Area2,520 sqft
Parking Spaces5 Parking Spaces
PorchSlab
Porch Area240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address628 E MAIN ST
CityGALLATIN
StateTN
Zip37066-2456
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 03, COUNTY AREA: A01
Legal SubdivisionSTOOP ADD
JurisdictionSUMNER TN
Township / Civil Division5
Census Block Group1
Census Block1014
Census Tract20700

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address628 E MAIN ST, GALLATIN, TN 37066-2456
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2021Deed of Trust, Mortgage · Line of Credit
FIRST FREEDOM BANK
Sep 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Jun 26, 2019Warranty Deed, Transfer · Conventional with PMI
PEOPLES HM EQUITY
Mar 8, 2019Loan Modification, Mortgage
NOT AVAILABLE
Mar 27, 2018Warranty Deed, Transfer · Construction Mortgage
CITIZENS BANK
Mar 27, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2024 · Amount on Record
Deed SaleAug 5, 2024 · Amount on Record
Prior SaleJun 26, 2019 · Amount on Record
Deed Document Number20241488796
Deed Book / Page6416 / 339
Prior Transfer DateJan 23, 2018
Prior Transfer Doc0047130554
Record UpdatedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUMNER TN
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Transaction TypeMortgage
Record UpdatedNov 30, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 E MAIN ST, GALLATIN, TN 37066-2456

Mortgage

Document Number0057550509
DateOct 21, 2021
Book Page5755/509
Instrument1387627
Lender
NameFIRST FREEDOM BANK
TypeBank
AddressLEBANON, TN 37087
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSUMNER TN
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053380776
DateSep 11, 2020
Book Page5338/776
Instrument1328104
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUMNER TN
Recording DateJun 26, 2019
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Document Number0049700493
Book / Page004970 / 000493
Instrument DateJun 20, 2019
Instrument1273274
Transaction TypeTransfer
Record UpdatedJul 15, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,546.60
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address628 E MAIN ST GALLATIN TN 370662456, GALLATIN, TN 37066-2456

Mortgage

Document Number49700496
DateJun 26, 2019
Book Page004970/000496
Instrument1273275
Lender
NamePEOPLES HM EQUITY
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJun 25, 2049

March 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSUMNER TN
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Document Number0049180360
Instrument DateMar 8, 2019
Transaction TypeMortgage
Record UpdatedApr 18, 2019
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address285 CANOE BRANCH LNDG CASTALIAN SPRINGS TN 370314805, CASTALIAN SPRINGS, TN 37031-4805

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSUMNER TN
Recording DateMar 27, 2018
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Document Number0047130555
Book / Page4713 / 555
Instrument DateMar 16, 2018
Instrument1227422
Transaction TypeTransfer
Record UpdatedOct 7, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,413.40
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 E MAIN ST, GALLATIN, TN 37066-2456

Mortgage

Document Number1227423
DateMar 27, 2018
Instrument1227423
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSUMNER TN
Recording DateMar 27, 2018
Property Address628 E MAIN ST, GALLATIN, TN 37066-2456
Document Number0047130554
Book / Page004713 / 000554
Instrument DateJan 23, 2018
Instrument1227421
Transaction TypeTransfer
Record UpdatedApr 16, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 E MAIN ST GALLATIN TN 370662456, GALLATIN, TN 37066-2456

Tax Assessment & Valuation

Source: Sumner County assessment roll, as of January 21, 2026

Property Jurisdictions

TypeName
StateTennessee
CountySumner County
MunicipalityGallatin City
Unified School DistrictSumner County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,269.00 (-20.89%)$159,650 (+69.93%) Land $22,500 Building $137,150
2024$638,600 (+69.93%) Land $90,000 Building $548,600
2023$2,868.00 (-0.31%)$93,950 (-) Land $20,000 Building $73,950
2022$2,877.00$93,950 Land $20,000 Building $73,950
2021$375,800 Land $80,000 Building $295,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2016–2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimMay 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemGALLATIN WATER DEPARTMENT
serves 65,964 people · EPA ID TN0000253
Water SourceSurface water
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 211 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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