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825 Spencer Ave, Gallatin, TN, 37066

2beds
1baths
1,122sqft
$255,000
$227price/sqft
$1,969/moest. monthly cost
$78,760/yrincome needed

About This Home

Perfect starter home within 2 miles of downtown Gallatin. This house offers two beds and one bath as well as a large bonus space off the kitchen that once was a garage. I have seen people over the years even use the space as a third bedroom. Completely remodeled in 2017. Living in Gallatin offers a balance of small-town charm, outdoor recreation, and convenient access to the Nashville metro area. Located about 30 miles northeast of Nashville, Gallatin has become a popular choice for families, professionals, and retirees looking for more space while remaining within commuting distance of the city. What Residents Love About Gallatin Lake Lifestyle: The city sits along Old Hickory Lake, offering boating, fishing, kayaking, and waterfront dining opportunities. Historic Downtown: The downtown square features local shops, restaurants, coffee shops, seasonal events, and a strong sense of community. Growing Amenities: New shopping, dining, and healthcare options continue to expand as the area grows. Parks and Green Space: Residents enjoy walking trails, parks, golf courses, and outdoor recreation throughout the community. Community Feel: Despite its growth, Gallatin maintains a friendly atmosphere where neighbors still know one another and local events bring residents together. Convenient Location Gallatin provides easy access to major employment centers while avoiding much of the congestion found closer to downtown Nashville. Many residents commute to Nashville, Hendersonville, and surrounding areas while enjoying larger lots and more affordable housing options than some neighboring communities.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
Guild Elementary SchoolGrades PK-50.4 mi
5/10
5/10

Construction

Condition

  • Year built: 1955

Materials

  • Construction materials: Asbestos,Wood Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedroom1

  • Area: 121
  • Dimensions: 11x11

Bedroom2

  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

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

Dining Room

  • Area: 100
  • Dimensions: 10x10

Features

  • Ceiling Fan(s)
  • Flooring: Wood,Luxury Vinyl,Tile
  • Finished area above ground: 1,122

Heating & Cooling

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

Interior Area

  • Total structure area: 1,122
  • Total interior livable area: 1,122 sqft

Kitchen

  • Area: 100
  • Dimensions: 10x10

Living Room

  • Features: Combination
  • Level: Combination
  • Area: 144
  • Dimensions: 12x12

Property

Details

  • Parcel number: 126K J 01900 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard
  • Topography of land: Level

Lot

  • Lot size: 0.25 Acres
  • Features: Level
  • Lot size dimensions: 75 x 148

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Uncovered 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 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 $1,289$15,468
Home Insurance $102$1,224
Property Taxes $403$4,836
Electricity $175$2,103
Total$1,969$23,628

Income You'd Need if You Spent...

35% on housing$67,508/yr
40% on housing$59,070/yr
45% on housing$52,506/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

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 37066$216
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
2026-07-28Price change$255,000
2026-07-10Price change$265,000
2026-07-01Price change$275,000
2026-06-26Listed for sale$299,900
2023-10-16Listing removed--
2023-10-09Listed for rent$1,600
2022-09-17Listing removed--
2022-08-20Listed for rent$1,500
2018-11-14Listing removed$1,200
2018-11-13Price change$1,200
2018-11-10Listed for rent$1,000
2018-03-15Sold$129,500
2016-12-30Sold$51,700

For Sale by Agent

AgentAlicia Griffith
BrokerageWilson Group Real Estate

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