1004 E Lake Ave, Celina, TN 38551 Property Records

Clay County property record for 1004 E Lake Ave, Celina, TN 38551

Property Summary

Property Type	Commercial
Lot Size	0.551 acres (24,000 sqft)
Owner	Company Name on File
Last Sale	$275,000 (Jul 2023)
Tax Bill	$1,204 (2022)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014042N B 00100`

Property Details

APN / Parcel Number

Primary APN	`014042N B 00100`
Alternative APN	`042N B 00100`

Exterior

Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	160 ft deep x 150 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	182 sqft
Canopy	288 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1004 E LAKE AVE
City	CELINA
State	TN
Zip	38551-4228
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	DISTRICT: 03, COUNTY AREA: C01
Jurisdiction	CLAY TN
Township / Civil Division	3
Census Block Group	2
Census Block	2041
Census Tract	955000

Owner

1004 E Lake Ave, a commercial property, is owned by a company that bought it in July 2023.

Source: Clay County records, as of May 5, 2026

Owner of Record	Company Name on File
Mailing Address	3830 HANESTOWN RD, WESTMORELAND, TN 37186-2625
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit MARION BANK AND TRUST COMPANY
Jul 31, 2023	Contract Sale, Transfer NOT AVAILABLE
Apr 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF LAFAYETTE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on File
Deed Sale	Jul 31, 2023 · Amount on File
Prior Sale	Apr 1, 2022 · Amount on File
Deed Document Number	2023920
Deed Book / Page	123 / 548
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Recording Date	Apr 28, 2026
Property Address	1004 E LAKE AVE, CELINA, TN 38551-4228
Document Number	0000000613
Book / Page	190 / 177
Instrument Date	Apr 28, 2026
Instrument	2026613
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 E LAKE AVE, CELINA, TN 38551-4228

Mortgage

Document Number	0000000613,
Date	Apr 28, 2026
Book Page	190/177
Instrument	2026613

Lender

Name	MARION BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

July 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	CLAY TN
Recording Date	Jul 31, 2023
Property Address	1004 E LAKE AVE, CELINA, TN 38551-4228
Document Number	0WD123/548
Book / Page	WD123 / 548
Map Reference	MB 11 PG 431
Instrument Date	Jul 28, 2023
Instrument	23000920
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Jul 31, 2023

Lender

Name	NOT AVAILABLE

Agreement

Amount	Amount on Record

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY TN
Recording Date	Apr 1, 2022
Property Address	1004 E LAKE AVE, CELINA, TN 38551-4228
Document Number	00WD120/66
Book / Page	WD120 / 66
Map Reference	MB 11 PG 431
Instrument Date	Apr 1, 2022
Instrument	22000436
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 HANESTOWN RD, WESTMORELAND, TN 37186-2625

Mortgage

Document Number	0022000437
Date	Apr 1, 2022
Instrument	22000437

Lender

Name	CITIZENS BANK OF LAFAYETTE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Clay County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Clay County
Municipality	Celina City
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$46,320 Land $10,000 Building $36,320
2023		$46,320 (-) Land $10,000 Building $36,320
2022	$1,204.00	$46,320 Land $10,000 Building $36,320	$115,800 Land $25,000 Building $90,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1004 E Lake Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1004 E Lake Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CELINA WATER SYSTEM serves 6,160 people · EPA ID TN0000099
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on E Lake Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures