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Single Family ResidenceResidential
$516,965$232 / 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 88How 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 $325,744 on Sep 6, 2016

165 SPENCER SPGS

GALLATIN, TN 37066
3
Beds
3
Baths
2,232 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.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
2016
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$517K
$457K low$577K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$325,744 · Sep 6, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,057 (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.$144,725 (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.$113,475
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$144,725
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$578,900

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.
20
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.
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.minimal

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
Lot (acres)The size of the land the home sits on, from county records.0.42
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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 · 2.9 mi
M
Joe Shafer Middle SchoolC
Middle · Grades 6–8 · 3.7 mi
H
Gallatin High SchoolB
High · Grades 9–12 · 4.6 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%

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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

165 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.

  • Worth more than 65% of homes in Sumner County
  • Bigger than 67% of homes in Sumner County
  • Newer than 82% 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
$173K$1.6M

This home is worth more than 63% 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$516,965
CheaperTypical $439,268Pricier

Pricier than 63% of homes nearby

Price per ft²$232
CheaperTypical $230Pricier

Pricier than 51% of homes nearby

Living area2,232 ft²
SmallerTypical 1,824 ft²Bigger

Bigger than 66% of homes nearby

Lot size0.42 ac
SmallerTypical 0.42 acBigger

Bigger than 50% of homes nearby

Year built2016
OlderTypical 2003Newer

Newer than 73% of homes nearby

How 165 Spencer Spgs ranks against every home in each area.
MeasureThis homeGallatin 37066Sumner County
Estimated valuepricier than$516,96563% of homes65% of homes
Price per ft²pricier than$23251% of homes49% of homes
Living areabigger than2,232 ft²66% of homes67% of homes
Lot sizebigger than0.42 ac50% of homes39% of homes
Year builtnewer than201673% of homes82% of homes

About 165 Spencer Spgs

How much is 165 Spencer Spgs, Gallatin, TN worth?

The TopHap Estimate for 165 Spencer Spgs, Gallatin, TN is $516,965 as of Sep 24, 2026. The likely range is $457,400 to $576,530. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 165 Spencer Spgs, Gallatin, TN last sell?

165 Spencer Spgs, Gallatin, TN last sold on Sep 6, 2016 for $325,744, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 165 Spencer Spgs, Gallatin, TN?

165 Spencer Spgs, Gallatin, TN has 3 bedrooms, 3 bathrooms, 2,232 square feet of living space and a 0.42-acre lot.

When was 165 Spencer Spgs, Gallatin, TN built?

165 Spencer Spgs, Gallatin, TN was built in 2016, making it 10 years old. The building has 2 stories.

What schools serve 165 Spencer Spgs, Gallatin, TN?

165 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 165 Spencer Spgs, Gallatin, TN compare to other homes in Gallatin 37066?

Among the 24,666 homes in Gallatin 37066, it is worth more than 63% of them ($516,965 against a typical $439,268), its price per square foot is higher than 51% of them ($232 against a typical $230), it is bigger than 66% of them (2,232 ft² against a typical 1,824 ft²), its lot is bigger than 50% of them (0.42 ac against a typical 0.42 ac) and it is newer than 73% of them (2016 against a typical 2003). Measured against all of Sumner County, it is worth more than 65% 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 165 Spencer Spgs, Gallatin, TN?

The 2025 property tax bill for 165 Spencer Spgs, Gallatin, TN was $2,057. The county assessed it at $144,725.

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