109 E Lake Ave, Celina, TN 38551 Property Records

Clay County property record for 109 E Lake Ave, Celina, TN 38551

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 5,350 sqft · built 1940
Lot Size	0.216 acres (9,440 sqft)
Owner	Individual Name on Record
Tax Bill	$1,589 (2022)
Deeds & Mortgages	Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`014042J I 01100`

Property Details

APN / Parcel Number

Primary APN	`014042J I 01100`
Alternative APN	`042J I 01100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	5,350 sqft Total Area
1st Floor Area	1,800 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	9,440 sqft (0.216 acres)
Lot Dimensions	80 ft deep x 118 ft wide
Garage Area	3,400 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Canopy	150 sqft
Utility Building	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 E LAKE AVE
City	CELINA
State	TN
Zip	38551-4184
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	DISTRICT: 03 B & T'S, COUNTY AREA: C02
Legal Subdivision	WA MARCOM
Jurisdiction	CLAY TN
Township / Civil Division	3
Census Block Group	2
Census Block	2029
Census Tract	955000

Owner

Source: Clay County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	916 RIVERSIDE CIR, CELINA, TN 38551-4219
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 26, 2018
Transfer Doc	0WD109/225
Record Updated	Jun 8, 2026

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY TN
Recording Date	Mar 26, 2018
Property Address	109 E LAKE AVE, CELINA, TN 38551-4184
Document Number	0WD109/225
Book / Page	WD109 / 225
Instrument Date	Mar 19, 2018
Instrument	18000280
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 RIVERSIDE CIR, CELINA, TN 38551-4219
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 20, 2025

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		$49,200 (-) Land $16,000 Building $33,200
2023		$49,200 (-19.5%) Land $16,000 Building $33,200
2022	$1,589.00	$61,120 Land $16,000 Building $45,120	$123,000 Land $40,000 Building $83,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 153 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