Clay County property record for 124 E Lake Ave, Celina, TN 38551
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 0.5 ba · 1,700 sqft · built 1945 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $30,000 (Jul 2023) |
| Tax Bill | $334 (2022) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014042O P 00600 |
| Primary APN | 014042O P 00600 |
|---|---|
| Alternative APN |
|
| Full Baths | 0.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,700 sqft Total Area |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 2,000 sqft (0.046 acres) |
| Lot Dimensions | 80 ft deep x 25 ft wide |
| Terrain | Rolling |
| Canopy | 200 sqft |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 124 E LAKE AVE |
|---|---|
| City | CELINA |
| State | TN |
| Zip | 38551-4182 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | DISTRICT: 03 STORE BLDG., COUNTY AREA: C02 |
| Legal Subdivision | CURTIS & MCCOMAS |
| Legal Lot Number | 7 |
| Jurisdiction | CLAY TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 955000 |
Source: Clay County records, as of January 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 207 DONALDSON AVE, CELINA, TN 38551-4160 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Aug 22, 2022 | Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST OF THE CUMBERLANDS |
| Jul 25, 2023 | Warranty Deed, Transfer |
| Jul 23, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage THE BOBBY E WESTMORELAND 2017 REVOC |
| Nov 20, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Prior Sale | Jul 23, 2021 · Amount on Record |
| Deed Document Number | 2023893 |
| Deed Book / Page | 123 / 509 |
| Prior Transfer Date | Nov 17, 2017 |
| Prior Transfer Doc | 0WD108/584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY TN |
| Property Address | 124 E LAKE AVE, CELINA, TN 38551-4182 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2078 HILHAM HWY, LIVINGSTON, TN 38570-8823 |
| Document Number | 00TD171/51 |
|---|---|
| Date | Aug 22, 2022 |
| Book Page | TD171/51 |
| Instrument | 22001107 |
| Name | AMERICAN BANK & TRUST OF THE CUMBERLANDS |
|---|---|
| Type | Bank |
| Address | LIVINGSTON, TN 38570 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 20, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Jul 25, 2023 |
| Property Address | 124 E LAKE AVE, CELINA, TN 38551-4182 |
| Document Number | 0WD123/509 |
| Book / Page | WD123 / 509 |
| Map Reference | MB 6 PG 586 |
| Instrument Date | Jul 24, 2023 |
| Instrument | 23000893 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $111.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 DONALDSON AVE, CELINA, TN 38551-4160 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Jul 23, 2021 |
| Property Address | 124 E LAKE AVE, CELINA, TN 38551-4182 |
| Document Number | 0WD117/644 |
| Book / Page | WD117 / 644 |
| Map Reference | MB 6 PG 586 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 21001008 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2078 HILHAM HWY, LIVINGSTON, TN 38570-8823 |
| Document Number | 0021001009 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 21001009 |
| Name | THE BOBBY E WESTMORELAND 2017 REVOC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY TN |
| Recording Date | Nov 20, 2017 |
| Property Address | 124 E LAKE AVE, CELINA, TN 38551-4182 |
| Document Number | 0WD108/584 |
| Book / Page | WD108 / 584 |
| Map Reference | MB 6 PG 586 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 17001231 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 214 WILLIAMSON ST, CELINA, TN 38551-4031 |
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Clay County |
| Municipality | Celina City |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,840 (-) Land $3,600 Building $9,240 | ||
| 2023 | $12,840 (-) Land $3,600 Building $9,240 | ||
| 2022 | $334.00 | $12,840 Land $3,600 Building $9,240 | $32,100 Land $9,000 Building $23,100 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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 |
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