845 Cole's Ferry Rd, Gallatin, TN 37066 Property Records

Sumner County property record for 845 Cole's Ferry Rd, Gallatin, TN 37066

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,420 sqft · built 1990
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jul 2023)
Tax Bill	$1,474 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jul 2023 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`083134 04002`

Property Details

APN / Parcel Number

Primary APN	`083134 04002`
Alternative APN	`134 04002`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,092 sqft
Upper Floors Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	148,104 sqft (3.4 acres)
Terrain	Rolling
Driveway	Driveway
Driveway Area	1,450 sqft

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	320 sqft
Pole Barn	1,440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	845 COLES FERRY RD
City	GALLATIN
State	TN
Zip	37066-6220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT: 12 PAGE: 307 BLOCK: LOT: 1 SUBD: OVERTON KIRKHAM ACRE
Legal Subdivision	OVERTON KIRKHAM ACRE
Legal Lot Number	1
Jurisdiction	SUMNER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1026
Census Tract	20901

Owner

845 Cole's Ferry Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Jul 5, 2023	Warranty Deed, Construction Loan · Construction Mortgage BRAD NELSON
Jun 13, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 16, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on File
Deed Sale	Jul 5, 2023 · Amount on File
Deed Document Number	20231454957
Deed Book / Page	6193 / 175
Prior Transfer Date	Sep 8, 2022
Prior Transfer Doc	0001429408
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMNER TN
Property Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	775 SPRING ST, OAK VIEW, CA 93022-9716

Mortgage

Document Number	0063510419
Date	Apr 26, 2024
Book Page	6351/419
Instrument	1479372

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

July 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SUMNER TN
Recording Date	Jul 5, 2023
Property Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220
Document Number	0061930175
Book / Page	6193 / 175
Instrument Date	Jun 30, 2023
Instrument	1454957
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026
Title Company	MIDTOWN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,702.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220

Mortgage

Document Number	0006193179
Date	Jul 5, 2023
Instrument	6193/179

Lender

Name	BRAD NELSON
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	8 Months
Due	Mar 1, 2024

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMNER TN
Recording Date	Jun 13, 2023
Property Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220
Document Number	0061800541
Book / Page	6180 / 541
Instrument Date	Jun 12, 2023
Instrument	1453084
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 COLED FERRY ROAD, AALATIEX, TN 13706

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SUMNER TN
Recording Date	Sep 16, 2022
Property Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220
Document Number	0060330751
Book / Page	6033 / 751
Instrument Date	Sep 15, 2022
Instrument	1429839
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 COLES FERRY RD, GALLATIN, TN 37066-6220

Tax Assessment & Valuation

The 2025 property tax bill for 845 Cole's Ferry Rd was $1,474.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Sumner County
Unified School District	Sumner County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,474.00	$103,750 Land $38,425 Building $65,325
2024			$415,000 Land $153,700 Building $261,300
2023	$1,024.00 (-0.39%)	$45,450 (-) Land $16,800 Building $28,650
2022	$1,028.00	$45,450 Land $16,800 Building $28,650
2021			$181,800 Land $67,200 Building $114,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 845 Cole's Ferry Rd 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	3 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 845 Cole's Ferry Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 30 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
Cumberland Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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