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Single Family ResidenceResidential
$409,219$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $172,485 on Dec 20, 2004

109 SADDLE DR

HENDERSONVILLE, TN 37075
3
Baths
1,749 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$409K
$366K low$452K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$172,485 · Dec 20, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,349 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$94,950 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$72,450
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$94,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$379,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
29
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySumner
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2012
Lot (acres)The size of the land the home sits on, from county records.0.16
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 153 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Madison Creek Elementary SchoolA+
Elementary · Grades PK–5 · 1.0 mi
H
Beech High SchoolA
High · Grades 9–12 · 3.4 mi
M
T. W. Hunter Middle SchoolA+
Middle · Grades 6–8 · 3.5 mi

District: Sumner County School District

Neighborhood · ZIP 37075These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.76,725
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,189 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,260
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,401
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Saddle Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 71% of homes in Hendersonville 37075
  • Has a smaller lot than 93% of homes in Sumner County
  • Newer than 70% of homes in Hendersonville 37075

What homes are worth in Hendersonville 37075

Each bar is how many homes fall in that price range. The marker is this home.

This home
$278K$1.3M

This home is worth more than 29% of homes in Hendersonville 37075.

How it measures up in Hendersonville 37075

The dot is this home. The mark in the middle is the typical home in Hendersonville 37075.

Estimated value$409,219
CheaperTypical $507,493Pricier

Pricier than 29% of homes nearby

Price per ft²$234
CheaperTypical $237Pricier

Pricier than 47% of homes nearby

Living area1,749 ft²
SmallerTypical 2,046 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.16 ac
SmallerTypical 0.4 acBigger

Bigger than 9% of homes nearby

Year built2004
OlderTypical 1993Newer

Newer than 70% of homes nearby

How 109 Saddle Dr ranks against every home in each area.
MeasureThis homeHendersonville 37075Sumner County
Estimated valuepricier than$409,21929% of homes44% of homes
Price per ft²pricier than$23447% of homes52% of homes
Living areabigger than1,749 ft²36% of homes46% of homes
Lot sizebigger than0.16 ac9% of homes7% of homes
Year builtnewer than200470% of homes65% of homes

About 109 Saddle Dr

How much is 109 Saddle Dr, Hendersonville, TN worth?

The TopHap Estimate for 109 Saddle Dr, Hendersonville, TN is $409,219 as of Sep 24, 2026. The likely range is $366,186 to $452,252. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Saddle Dr, Hendersonville, TN last sell?

109 Saddle Dr, Hendersonville, TN last sold on Dec 20, 2004 for $172,485, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Saddle Dr, Hendersonville, TN?

109 Saddle Dr, Hendersonville, TN has 3 bathrooms, 1,749 square feet of living space and a 0.16-acre lot.

When was 109 Saddle Dr, Hendersonville, TN built?

109 Saddle Dr, Hendersonville, TN was built in 2004, making it 22 years old. The building has 2 stories.

What schools serve 109 Saddle Dr, Hendersonville, TN?

109 Saddle Dr, Hendersonville, TN is assigned to Madison Creek Elementary School (elementary), rated A+; Beech High School (high), rated A; T. W. Hunter Middle School (middle), rated A+. All sit in Sumner County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Saddle Dr, Hendersonville, TN compare to other homes in Hendersonville 37075?

Among the 25,772 homes in Hendersonville 37075, it is worth more than 29% of them ($409,219 against a typical $507,493), its price per square foot is higher than 47% of them ($234 against a typical $237), it is bigger than 36% of them (1,749 ft² against a typical 2,046 ft²), its lot is bigger than 9% of them (0.16 ac against a typical 0.4 ac) and it is newer than 70% of them (2004 against a typical 1993). Measured against all of Sumner County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Saddle Dr, Hendersonville, TN?

The 2025 property tax bill for 109 Saddle Dr, Hendersonville, TN was $1,349. The county assessed it at $94,950.

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