251 Oak Dr, Silver Point, TN 38582 Property Records

DeKalb County property record for 251 Oak Dr, Silver Point, TN 38582

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,048 sqft · built 1994
Lot Size	0.482 acres (21,000 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,541 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021031H B 00700`

Property Details

APN / Parcel Number

Primary APN	`021031H B 00700`
Alternative APN	`031H B 00700`

Interior

Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,048 sqft Living Area
1st Floor Area	1,524 sqft
Upper Floors Area	1,524 sqft
Basement Area	1,524 sqft
Finished Basement	1,524 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Exterior Material	Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	210 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	702 sqft
Carport	Carport
Carport Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Patio
Porch Area	280 sqft
Deck Area	576 sqft
Patio Area	1,204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	251 OAK DR
City	SILVER POINT
State	TN
Zip	38582-7932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 4; SUBDIVISION: BLACKBERRY HILL SEC 1
Legal Subdivision	BLACKBERRY HILL SEC 1
Legal Lot Number	12
Jurisdiction	DE KALB TN
Township / Civil Division	4
Census Block Group	2
Census Block	2009
Census Tract	920101

Owner

251 Oak Dr is held in a trust since December 2023.

Source: DeKalb County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	6545 MT CARMEL RD, COVINGTON, TN 38019-7631
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

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BK
Nov 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage INSOUTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2009
Deed Sale	Jul 15, 2009
Prior Sale	Jul 13, 2007 · Amount on File
Deed Book / Page	305 / 378
Last Transfer Date	Dec 4, 2023
Transfer Doc	0005870183
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	251 OAK DR, SILVER POINT, TN 38582-7932
Document Number	0000194276
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Nov 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 OAK DR SILVER POINT TN 385827932, SILVER POINT, TN 38582-7932

Mortgage

Document Number	0000194276
Date	Oct 16, 2020
Book Page	000477/000546
Instrument	194276

Lender

Name	PATRIOT BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	251 OAK DR, SILVER POINT, TN 38582-7932
Document Number	0000181212
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	May 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000181212
Date	Dec 4, 2017
Book Page	000420/000415
Instrument	181212

Lender

Name	INSOUTH BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 3, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 251 Oak Dr was $3,541.

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	$3,541.00	$141,075 Land $31,250 Building $109,825
2023		$141,075 (-) Land $31,250 Building $109,825
2022	$2,442.00	$141,075 Land $31,250 Building $109,825	$564,300 (-) Land $125,000 Building $439,300
2021			$564,300 Land $125,000 Building $439,300

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

Flood

FEMA maps place 251 Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 251 Oak Dr is low, with a 0.02% 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	0.02% 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 79 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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