Not every Gallatin address on Old Hickory Lake buys the same lake. Rozella Way closed at a $4,675,000 median over the past 12 months. Dickerson Bay Drive, on the same water with a dock at the end of the yard, closed at $910,100. The street is the price.

Thirty-one waterfront homes closed in Gallatin over the past 12 months. The lowest was $500,000. The highest was $6,375,000. The median landed at $1,155,000, and the average at $1,754,948, which is the clearest signal in the whole dataset that "lakefront in Gallatin" is not one market. It is roughly 23 different streets, each with its own price floor, its own water depth, its own dock rules, and its own buyer.

The gap between two streets can be larger than the entire price of a house. A dock home on Dickerson Bay Drive closed at $875,000 in December. Eleven months earlier, a dock home on Rozella Way closed at $6,375,000. Both are Old Hickory Lake. Both are Gallatin 37066. The difference is not the water. It is the shoreline position, the community around it, and what the last three buyers on that specific street were willing to pay. If you want the closed comps for a specific street before you start touring, Ryan Beals can pull the address-level data and show you where your budget actually reaches on this lake.

The Premium Streets: Rozella Way, Boardwalk Place, and Plantation Boulevard

Rozella Way sits on what locals call The Peninsula inside Fairvue Plantation, and it produced the two highest closes in the dataset: $6,375,000 for an 8,744 square foot custom home in January, and $2,975,000 for a Bob Shaw build in June. That $6,375,000 sale traded at $729 per square foot, the highest price per foot anywhere in the Gallatin waterfront market over the past year.

Boardwalk Place in Foxland Harbor came in second at a $2,900,000 median across two closes, $3,100,000 and $2,700,000, both with boat slips. Plantation Boulevard, which runs through Last Plantation and the Fairvue side now branded as Tennessee Grasslands, closed three homes at $2,050,000, $2,350,000 and $2,525,000 for a $2,350,000 median. Albatross Way added a $2,349,000 new build from Pettis Builders positioned across from the third green.

What these streets share is not just the water. They come with a gate, a golf course, a clubhouse, and a fitness center, and the HOA lines in the data run from $300 to $750 a year in the Foxland sections to $675 a year and $90 a month in Fairvue. You are buying an amenity package that happens to sit on a lake, and the closed prices reflect it.

The Middle of the Lake: $1,000,000 to $1,525,000

This is the deepest part of the Gallatin waterfront market and where most buyers actually land. Bay Point Drive produced the widest spread on any single street, $1,525,000 for a 1984 lakefront home with a dock and $3,149,000 for a 2023 custom build with no HOA at all. Shimmering Way in Serenity Bay closed at $1,412,500 on 2.4 acres with 530 feet of Corps of Engineers frontage. Woods Ferry Circle in Kirkpatrick Estates closed at $1,332,000 with 160 feet of main channel shoreline and no private dock, which is a useful reminder that frontage quality alone can carry a price past $1.3 million.

South Wrights Lane closed at $1,155,000 with a private dock and an 8,000 pound lift in a protected cove and went under contract the day it listed. Grassland Drive closed at $1,100,000 with a covered dock and a five car garage. Edgewater Circle in Station Camp Landing closed at $1,050,000 on a private street in a secluded cove. Isaac Franklin Drive inside the Fairvue gates produced two closes at $890,000 and $1,150,000, both with lake access, which makes it the least expensive way onto a gated Fairvue street.

I stood on the dock behind a house on Dickerson Bay Drive this spring with a buyer who had spent three months looking in Fairvue and had almost given up on getting a boat in the water. The water off that dock was deep enough to run a boat in August, the view was open to the main channel, and the number was $875,000. She had been touring homes at twice that price for the same practical use of the lake. What she was actually paying for in Fairvue was the gate, the golf, and the address, and the question I asked her standing on that dock is the one worth asking on every street out here: which part of that are you actually buying?

Under $1,000,000: Where the Entry Points Actually Are

Seven of the 31 closes landed under $1,000,000, and five of those seven came with a dock or a slip. Dickerson Bay Drive in Station Camp Inlet is the single most useful street on this list because it turned over three times in 12 months, at $875,000, $910,100 and $920,000, and every one of the three included a dock. Three closes on one street in one year is enough turnover to give a buyer an actual choice instead of a single take-it-or-leave-it listing.

Morning View Drive closed at $925,000 with a brand new dock and no HOA. Wayward Point closed at $999,000 with the middle slip in a shared covered dock and a marina across the channel. Lakeland Drive at $929,900, Oxford Court at $942,000 and Five Coves Trace at $959,900 rounded out the tier without private dock access. Reynard Drive in Foxland Harbor closed at $870,000 for a 2025 build with lake views and no dock, which is the trade most Foxland buyers under a million end up making.

Where a Waterfront Tag Does Not Mean Old Hickory Lake

Three of the 31 closed sales carried a waterfront designation that a buyer would read one way and the water would read another. The $500,000 close on Wentworth Drive in Cambridge Farms Phase 4, the lowest waterfront sale in Gallatin all year, overlooks the community pond. Five Coves Trace at $959,900 sits on a private lake inside a gated community. Martha Lane in Hidden Cove closed at $1,100,000 on Cumberland River frontage above the bluffs, which is genuine water but not the lake and not a dock.

None of those are bad buys. Two of them are excellent buys for the right household. But if a buyer searches "waterfront Gallatin" online and sorts by price, those three sit at the top of the list and set an expectation the rest of the market cannot meet. This is the exact failure mode that street-level data fixes. The full lake-wide picture, including flood zone context, is covered in the Old Hickory Lake waterfront guide for Gallatin.

Dock Access Is the Biggest Single Price Variable

Twenty-one of the 31 closes had a dock or a boat slip and carried a median of $1,525,000. The 10 closes without dock access carried a median of $1,029,950. That is a $495,050 spread, and it is the largest single price factor in the entire dataset, larger than square footage, larger than year built, and larger than school zone. The full breakdown of how that gap behaves at each price point is in the dock versus no dock analysis.

A year ago the Gallatin waterfront market was closing at a median of $1,250,000 across 21 sales. Today that number is $1,155,000 across 31 sales. The median came down 7.6 percent while volume rose almost 48 percent, which tells you the middle of the market woke up rather than the top falling out. The top actually got stronger, since the highest close moved from $4,486,388 last year to $6,375,000 this year.

Gallatin Waterfront Market at a Glance

Street-by-Street Closed Sale Rankings

Data from RealTracs MLS. Rolling 12-month period ending August 2026. Closed sales only. Streets with a single close are shown at that price. Year-over-year figures compare the prior 12-month window of 21 closed sales.

Active, Coming Soon & Under Contract Waterfront Homes in Gallatin

Recently Sold Waterfront Homes in Gallatin (Past 12 Months)

Getting Around the Gallatin Lakefront

Almost every waterfront street in this dataset feeds back to the same two roads. The Fairvue, Foxland and Last Plantation corridor comes out on Highway 25 and picks up Highway 386 at Vietnam Veterans Boulevard. The Station Camp Inlet and Station Camp Landing streets run out through Lower Station Camp Creek Road and Long Hollow Pike. That second route is the one to understand before you buy, because the interchange at Long Hollow Pike and Highway 386 at 109 backs up hard most weekday evenings, and it is the pinch point for the eastern half of Gallatin.

From the Fairvue and Foxland side, downtown Nashville typically runs 45 to 55 minutes in the morning rush and closer to 35 outside of it. Vanderbilt Medical Center and the HCA campuses are the two most common destinations for the buyers I see on this lake, and both are a straight shot down 386 to Briley. The 386 and 109 corridor employers keep growing, which is why a real share of the sub-million dollar dock buyers on Dickerson Bay Drive never commute into Nashville at all.

The waterfront buyer profile here splits cleanly. Above roughly $1.9 million you are mostly looking at second-home and retirement buyers who want the gate, the golf and a slip. Between $900,000 and $1.5 million you are looking at move-up families who want the lake to be part of daily life and still need to get to work. Below $1 million you are looking at buyers who want a boat in the water more than they want a clubhouse, and they are the ones who move fastest when a Dickerson Bay listing hits.

Schools on the Gallatin Waterfront

Twenty-two of the 31 closes were zoned to Station Camp High School, with 21 feeding through Jack Anderson Elementary and Station Camp Middle. That covers Fairvue, Foxland, Last Plantation, Station Camp Inlet, Station Camp Landing and Lake Grassland. Eight closes were zoned to Gallatin Senior High School, generally the streets closer to the city side of the lake such as Bay Point Drive, Woods Ferry Circle, South Wrights Lane and Martha Lane. One close on Wentworth Drive fell in the Liberty Creek zone. Zone lines on this lake do not follow the shoreline neatly, so verify the assignment for the specific address rather than the subdivision name. The wider neighborhood comparison for Gallatin is in the best neighborhoods in Gallatin guide.

Why Work with Ryan Beals on a Gallatin Lake Search

I grew up in Sumner County and I have been on this lake my whole life, which means I know the difference between a cove that holds water in August and one that does not long before a buyer stands on the dock. That matters more than any listing photo. A dock on paper is not the same as a dock you can actually run a boat off of in late summer, and the closed data does not tell you which is which.

I also know where the labels lie. Three of the 31 waterfront closes this year were not on Old Hickory Lake at all, and a buyer sorting a search portal by price would have hit all three before seeing a real lake home. My job on a waterfront search is to narrow the streets before the first showing so you are only looking at homes that fit your budget, your dock requirement, and your school zone. Fewer showings, better offers, no surprises at inspection.

Frequently Asked Questions