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1099 Duncan St, Gallatin, TN, 37066

3beds
3baths
1,503sqft
$302,900
$202price/sqft
$1,944/moest. monthly cost
$77,760/yrincome needed

About This Home

This is the Roxbury Floorplan with 3 spacious bedrooms, 2.5 bathrooms & 1 car attached garage. This amazing homesite backs up to trees for more privacy than others in Windsong. Open floor plan with spacious kitchen that includes Quartz countertops, tall cabinets, and stainless steel appliances. Super owner's suite with a trey ceiling, his and her walk in closets and tile shower. EXTRA FEATURES that were added at purchase were no carpet on the main floor, stainless steel farm sink in the kitchen, tile bench in the primary shower, and all bedrooms wired for ceiling fans. This is a great opportunity listed for less than original purchase price..

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

3/10
Guild Elementary SchoolGrades PK-50.5 mi
5/10
5/10

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Stone

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse,Residential,Condominium

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Dishwasher,Disposal,Microwave

Basement

  • Basement: None

Bedroom1

  • Features: Suite
  • Level: Suite
  • Area: 196
  • Dimensions: 14x14

Bedroom2

  • Features: Extra Large Closet
  • Level: Extra Large Closet
  • Area: 110
  • Dimensions: 10x11

Bedroom3

  • Features: Extra Large Closet
  • Level: Extra Large Closet
  • Area: 120
  • Dimensions: 10x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Combination
  • Level: Combination

Features

  • Flooring: Carpet,Vinyl
  • Finished area above ground: 1,503

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,503
  • Total interior livable area: 1,503 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen
  • Area: 130
  • Dimensions: 10x13

Living Room

  • Features: Great Room
  • Level: Great Room
  • Area: 180
  • Dimensions: 12x15

Master Bathroom

  • Features: Suite
  • Level: Suite

Property

Details

  • Parcel number: 135C G 03200 000
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Partial

Lot

  • Lot size: 2,178 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Earthquake
Hail
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,531$18,372
Home Insurance $122$1,464
Property Taxes $116$1,392
Electricity $175$2,103
Total$1,944$23,328

Income You'd Need if You Spent...

35% on housing$66,651/yr
40% on housing$58,320/yr
45% on housing$51,840/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 37066$215
Sumner County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 37066$221
Sumner County$228

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-17Listed for sale$302,900
2023-01-17Sold$309,575

For Sale by Agent

AgentRicky E. Wright, Broker ABR GRI
BrokerageReliant Realty ERA Powered

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