1785 Harbor Pointe Dr, Silver Point, TN 38582 Property Records

DeKalb County property record for 1785 Harbor Pointe Dr, Silver Point, TN 38582

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,458 sqft · built 2017
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$76,000 (May 2014)
Tax Bill	$2,720 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021030 00149`

Property Details

APN / Parcel Number

Primary APN	`021030 00149`
Alternative APN	`030 00149`

Interior

Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,458 sqft Living Area
1st Floor Area	1,536 sqft
Upper Floors Area	1,536 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	984 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1785 HARBOR POINTE DR
City	SILVER POINT
State	TN
Zip	38582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 16; SUBDIVISION: HARBOR POINTE
Legal Subdivision	HARBOR POINTE
Legal Lot Number	88
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4025
Census Tract	920300

Owner

1785 Harbor Pointe Dr is owned by an individual who bought it in May 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2055 WILLOWMET LN, BRENTWOOD, TN 37027-8949
Owner Type	Individual

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
Jun 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
May 6, 2020	Deed of Trust, Mortgage PINNACLE BK
Sep 29, 2017	Deed of Trust, Mortgage PINNACLE BK/WY CHEYENNE BR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2014 · Amount on File
Deed Sale	May 1, 2014 · Amount on File
Prior Sale	Oct 23, 2000 · Amount on File
Deed Document Number	0000369153
Deed Book / Page	369 / 153
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	1785 HARBOR POINTE DR, SILVER POINT, TN 38582
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2055 WILLOWMET LN, BRENTWOOD, TN 37027-8949

Mortgage

Document Number	0005520000000038
Date	Jun 20, 2023
Book Page	0000000552/0000000038
Instrument	209769

Lender

Name	PINNACLE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2043

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	1785 HARBOR POINTE DR, SILVER POINT, TN 38582
Document Number	0000191921
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1785 HARBOR POINT DR SILVER POINT TN 38582, SILVER POINT, TN 38582

Mortgage

Document Number	0000191921
Date	May 11, 2020
Book Page	000465/000677
Instrument	191921

Lender

Name	PINNACLE BK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	1785 HARBOR POINTE DR, SILVER POINT, TN 38582
Document Number	0000180588
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180588
Date	Oct 4, 2017
Book Page	000418/000009
Instrument	180588

Lender

Name	PINNACLE BK/WY CHEYENNE BR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1785 Harbor Pointe Dr was $2,720.

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

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	$2,720.00	$108,375 Land $27,500 Building $80,875
2023		$106,400 (-) Land $25,525 Building $80,875
2022	$1,842.00	$106,400 Land $25,525 Building $80,875	$425,600 (-1.82%) Land $102,100 Building $323,500
2021			$433,500 Land $110,000 Building $323,500

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

Flood

FEMA maps place 1785 Harbor Pointe Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 1785 Harbor Pointe Dr is low, with less than 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 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	Under 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Fiber	8,000 / 8,000

Cell Coverage

4G LTE only, no 5G reported

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