170 Bay Dr, Lancaster, TN 38569 Property Records

DeKalb County property record for 170 Bay Dr, Lancaster, TN 38569

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,082 sqft · built 2003
Lot Size	0.778 acres (33,911 sqft)
Owner	Trust Name on File
Last Sale	$250,000 (Jul 2019)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021019L A 01700`

Property Details

APN / Parcel Number

Primary APN	`021019L A 01700`
Alternative APN	`019L A 01700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,082 sqft Living Area
1st Floor Area	832 sqft
Upper Floors Area	416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,911 sqft (0.778 acres)
Lot Dimensions	132 ft deep x 255 ft wide
Terrain	Rolling
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	170 BAY DR
City	LANCASTER
State	TN
Zip	38569-5256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0912
Legal Description	DISTRICT: 15; SUBDIVISION: COVE HOLLOW BAY PHASE I
Legal Subdivision	COVE HOLLOW BAY PHASE I
Legal Lot Number	10
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4043
Census Tract	920300

Owner

170 Bay Dr is held in a trust since April 2021.

Source: DeKalb County records, as of January 27, 2026

Owner of Record	Trust Name on File
Mailing Address	4512 RED BANK LN, MURFREESBORO, TN 37128-4957
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Jun 27, 2006 · Amount on File
Deed Document Number	2019188088
Deed Book / Page	448 / 806
Last Transfer Date	Apr 8, 2021
Transfer Doc	0000196931
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jul 30, 2019
Property Address	170 BAY DR, LANCASTER, TN 38569-5256
Document Number	0000188088
Book / Page	000448 / 000806
Instrument Date	Jul 25, 2019
Instrument	188088
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 RED BANK LN MURFREESBORO TN 371284957, MURFREESBORO, TN 37128-4957

Mortgage

Document Number	188089
Date	Jul 30, 2019
Book Page	000448/000809
Instrument	188089

Lender

Name	ISERVE RESID'L LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 170 Bay Dr was $1,931.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	DeKalb County
Unified School District	DeKalb County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,931.00	$76,920 Land $32,000 Building $44,920
2023		$76,920 (-) Land $32,000 Building $44,920
2022	$1,331.00	$76,920 Land $32,000 Building $44,920	$192,300 (-) Land $80,000 Building $112,300
2021			$192,300 Land $80,000 Building $112,300

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.

Flood

FEMA maps place 170 Bay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · 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	3 (2002–2021)
Most Recent Claim	Mar 2021 · rainfall accumulation

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 170 Bay Dr 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	Direct burnable vegetation

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	DEKALB UTILITY DISTRICT #1 serves 17,960 people · EPA ID TN0000188
Water Source	Surface water
Last State Inspection	Sep 2025
Also Mapped Here	DEKALB UTILITY DISTRICT #4
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
DeKalb Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20