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1327 Old Highway 109 N, Gallatin, TN, 37066

3beds
3baths
2,127sqft
$479,777
$226price/sqft
$2,977/moest. monthly cost
$119,080/yrincome needed

About This Home

Step in and fall in love! This all-brick home offers 3 bedrooms and 2.5 baths with a functional layout designed for both everyday living and entertaining and sits on approximately 1 acre! Step inside to find fresh paint throughout, all new interior doors, and durable LVP flooring throughout most of the home. The large kitchen has been tastefully updated with brand-new granite countertops, offering both style and functionality. A formal dining room provides the perfect space for hosting gatherings or enjoying family meals. Outside, enjoy the peaceful setting from your covered back porch—ideal for relaxing or entertaining while overlooking your spacious lot. With a 2-car attached garage and located just outside the city limits, you’ll appreciate the added privacy and the benefit of county-only taxes! Check it out for yourself to see if this is your new home!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

8/10
Howard Elementary SchoolGrades PK-52.5 mi
4/10
Joe Shafer Middle SchoolGrades 6-81.7 mi
5/10

Construction

Condition

  • Year built: 1999

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Dishwasher
  • Laundry features: Electric Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom1

  • Area: 221
  • Dimensions: 17x13

Bedroom2

  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Area: 182
  • Dimensions: 14x13

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Dining Room

  • Area: 156
  • Dimensions: 12x13

Features

  • Flooring: Wood,Vinyl
  • Fireplace features: Family Room
  • Finished area above ground: 2,127

Heating & Cooling

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

Interior Area

  • Total structure area: 2,127
  • Total interior livable area: 2,127 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Level: Eat-in Kitchen
  • Area: 360
  • Dimensions: 15x24

Living Room

  • Area: 323
  • Dimensions: 19x17

Property

Details

  • Parcel number: 104 08000 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Covered

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Rear
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather

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 $2,426$29,112
Home Insurance $193$2,316
Property Taxes $183$2,196
Electricity $175$2,103
Total$2,977$35,724

Income You'd Need if You Spent...

35% on housing$102,068/yr
40% on housing$89,310/yr
45% on housing$79,386/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

$226This 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
2026-05-01Listed for sale$489,777

For Sale by Agent

AgentShelly Gregory
BrokerageEXIT Realty Refined

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