644 Commons Dr, Gallatin, TN 37066 Property Records

Sumner County property record for 644 Commons Dr, Gallatin, TN 37066

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.32 acres (57,499 sqft)
Owner	Company Name on File
Last Sale	$220,000 (Dec 2021)
Tax Bill	$516 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083126J C 00600`

Property Details

APN / Parcel Number

Primary APN	`083126J C 00600`
Alternative APN	`126J C 00600`

Exterior

Lot Area	57,499 sqft (1.32 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 COMMONS DR
City	GALLATIN
State	TN
Zip	37066-6317
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	MRO-
Legal Description	PLAT: 20-16 PAGE: 255-217 BLOCK: LOT: 1G-1F SUBD: COMMONS RESUB
Legal Subdivision	COMMONS RESUB-COMMON
Legal Lot Number	1G-1F
Jurisdiction	SUMNER TN
Township / Civil Division	5
Census Block Group	1
Census Block	1019
Census Tract	20905

Owner

644 Commons Dr, residential vacant land, is owned by a company that acquired it in August 2023.

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

Owner of Record	Company Name on File
Mailing Address	128 W EASTLAND ST, A, GALLATIN, TN 37066-2702
Owner Type	Company
Vesting	Company

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

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Dec 9, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Deed Document Number	20211394930
Deed Book / Page	5806 / 578
Last Transfer Date	Aug 2, 2023
Transfer Doc	0001457626
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	644 COMMONS DR, GALLATIN, TN 37066-6317
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128A W EASTLAND ST, GALLATIN, TN 37066-2702

Mortgage

Document Number	0060360574
Date	Sep 21, 2022
Book Page	6036/574
Instrument	1430278

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	GALLATIN, TN 37066

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 19, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Dec 9, 2021
Property Address	644 COMMONS DR, GALLATIN, TN 37066-6317
Document Number	0058060578
Book / Page	5806 / 578
Map Reference	MB 20 PG 255
Instrument Date	Dec 6, 2021
Instrument	1394930
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 A WEST GASHAND ST, GALLATIN, TN 37066

Mortgage

Document Number	0005806581
Date	Dec 9, 2021
Instrument	5806/581

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 5, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 644 Commons Dr was $516.

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	$516.00	$36,300 Land $36,300
2024			$145,200 Land $145,200
2023	$907.00 (-0.33%)	$29,700 (-) Land $29,700
2022	$910.00	$29,700 Land $29,700
2021			$118,800 Land $118,800

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 644 Commons Dr in Zone X, an area of minimal flood risk.

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	2 in force

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 644 Commons 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 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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