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Single Family ResidenceResidential
$459,317$225 / 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 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $214,900 on Apr 29, 2009

109 SPENCER SPGS

GALLATIN, TN 37066
3
Baths
2,042 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.
0.99 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$459K
$385K low$533K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$214,900 · Apr 29, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,768 (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.$124,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$93,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$497,600

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
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.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.2014
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 · 216 ft²

Transaction History(1)

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
Vena Stuart Elementary SchoolC-
Elementary · Grades PK–5 · 2.5 mi
M
Joe Shafer Middle SchoolC
Middle · Grades 6–8 · 3.4 mi
H
Gallatin High SchoolB
High · Grades 9–12 · 4.3 mi

District: Sumner County School District

Neighborhood · ZIP 37066These 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.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.63,566
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.527 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,186
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,957
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Owner Tools

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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 Spencer Spgs 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.

  • Has a bigger lot than 72% of homes in Gallatin 37066
  • Newer than 73% of homes in Sumner County

What homes are worth in Gallatin 37066

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

This home
$180K$1.5M

This home is worth more than 54% of homes in Gallatin 37066.

How it measures up in Gallatin 37066

The dot is this home. The mark in the middle is the typical home in Gallatin 37066.

Estimated value$459,317
CheaperTypical $439,982Pricier

Pricier than 54% of homes nearby

Price per ft²$225
CheaperTypical $230Pricier

Pricier than 44% of homes nearby

Living area2,042 ft²
SmallerTypical 1,839 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.99 ac
SmallerTypical 0.41 acBigger

Bigger than 72% of homes nearby

Year built2008
OlderTypical 2003Newer

Newer than 61% of homes nearby

How 109 Spencer Spgs ranks against every home in each area.
MeasureThis homeGallatin 37066Sumner County
Estimated valuepricier than$459,31754% of homes55% of homes
Price per ft²pricier than$22544% of homes43% of homes
Living areabigger than2,042 ft²60% of homes60% of homes
Lot sizebigger than0.99 ac72% of homes63% of homes
Year builtnewer than200861% of homes73% of homes

About 109 Spencer Spgs

How much is 109 Spencer Spgs, Gallatin, TN worth?

The TopHap Estimate for 109 Spencer Spgs, Gallatin, TN is $459,317 as of Oct 21, 2026. The likely range is $385,358 to $533,276. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Spencer Spgs, Gallatin, TN last sell?

109 Spencer Spgs, Gallatin, TN last sold on Apr 29, 2009 for $214,900, according to the county's recorded deed.

How big is 109 Spencer Spgs, Gallatin, TN?

109 Spencer Spgs, Gallatin, TN has 3 bathrooms and 2,042 square feet of living space.

When was 109 Spencer Spgs, Gallatin, TN built?

109 Spencer Spgs, Gallatin, TN was built in 2008, making it 18 years old. The building has 2 stories.

What schools serve 109 Spencer Spgs, Gallatin, TN?

109 Spencer Spgs, Gallatin, TN is assigned to Vena Stuart Elementary School (elementary), rated C-; Joe Shafer Middle School (middle), rated C; Gallatin High School (high), rated B. All sit in Sumner County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Spencer Spgs, Gallatin, TN compare to other homes in Gallatin 37066?

Among the 24,666 homes in Gallatin 37066, it is worth more than 54% of them ($459,317 against a typical $439,982), its price per square foot is higher than 44% of them ($225 against a typical $230), it is bigger than 60% of them (2,042 ft² against a typical 1,839 ft²), its lot is bigger than 72% of them (0.99 ac against a typical 0.41 ac) and it is newer than 61% of them (2008 against a typical 2003). Measured against all of Sumner County, it is worth more than 55% 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 Spencer Spgs, Gallatin, TN?

The 2025 property tax bill for 109 Spencer Spgs, Gallatin, TN was $1,768. The county assessed it at $124,400.

More homes on Spencer Spgs

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