2881 Lake Forest Cir, Talbott, TN 37877 Property Records

Jefferson County property record for 2881 Lake Forest Cir, Talbott, TN 37877

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,788 sqft · built 1967
Lot Size	1.58 acres (69,147 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Mar 2024)
Tax Bill	$1,431 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003O-B-022.00`

Property Details

APN / Parcel Number

Primary APN	`003O-B-022.00`
Alternative APNs	`04003OB003O02200` `045003O B 02200`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,788 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,706 sqft
Basement Area	624 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	69,147 sqft (1.58 acres)
Lot Dimensions	301 ft deep x 230 ft wide
Terrain	Rolling

Exterior Amenities

Deck Area	210 sqft
Patio Area	258 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2881 LAKE FOREST CIR
City	TALBOTT
State	TN
Zip	37877-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TIMBERLAKE PB: C PG: 122 LOT: 62+ 229.8X300.9 IRR ALL OF LOT 62 & P/O LOT 61
Legal Subdivision	TIMBERLAKE
Legal Lot Number	62+
Jurisdiction	JEFFERSON TN
Township / Civil Division	10
Census Block Group	1
Census Block	1005
Census Tract	70300

Owner

2881 Lake Forest Cir is owned and occupied by two individuals who bought it in March 2024.

Source: Jefferson County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 6, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Mar 11, 2024	Warranty Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP
Aug 27, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 27, 2017	Warranty Deed, Transfer · Conventional Mortgage HOME FED'L BK/TN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on File
Deed Sale	Mar 11, 2024 · Amount on File
Prior Sale	Dec 27, 2017 · Amount on File
Deed Document Number	20241566
Deed Book / Page	1805 / 144
Transfer Doc	1195140
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON TN
Property Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020

Mortgage

Document Number	0000191093
Date	Oct 6, 2025
Book Page	1910/93
Instrument	25007709

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	321 RESEARCH PKWY STE 303, MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Mar 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Mar 11, 2024
Property Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020
Document Number	0001805144
Book / Page	1805 / 144
Map Reference	MB 5 PG 193
Instrument Date	Mar 1, 2024
Instrument	24001566
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	ADMIRAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,535.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020

Mortgage

Document Number	0024001567
Date	Mar 11, 2024
Instrument	24001567

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON TN
Property Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020
Transaction Type	Mortgage
Record Updated	Sep 1, 2022
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 LAKE FOREST CIR, TALBOTT

Mortgage

Document Number	0000155341
Date	Aug 27, 2020
Book Page	1553/41
Instrument	20006624

Lender

Name	TRUIST BANK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Dec 27, 2017
Property Address	2881 LAKE FOREST CIR, TALBOTT, TN 37877-3020
Document Number	1398271
Book / Page	001398 / 000271
Instrument Date	Dec 19, 2017
Instrument	8946
Transaction Type	Transfer
Record Updated	Jan 9, 2018
Title Company	TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2881 LAKE FOREST CIR TALBOTT TN 378773020, TALBOTT, TN 37877-3020

Mortgage

Document Number	1398274
Date	Dec 27, 2017
Book Page	001398/000274
Instrument	8947

Lender

Name	HOME FED'L BK/TN
Type	Bank
Address	KNOXVILLE, TN 37902

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 2881 Lake Forest Cir was $1,431, up 4.2% from the year before.

Source: Jefferson County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,431.00 (+4.22%)	$96,025 Land $16,250 Building $79,775	$384,100 (-) Land $65,000 Building $319,100
2024	$1,373.00		$384,100 Land $65,000 Building $319,100
2022	$1,246.00	$56,900 Land $14,400 Building $42,500	$227,600 Land $57,600 Building $170,000

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 2881 Lake Forest Cir 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 June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jan 2013 · tidal / storm surge

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 2881 Lake Forest Cir is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% 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	JEFFERSON CITY W&S COMM serves 9,764 people · EPA ID TN0000328
Water Source	Surface water
Last State Inspection	Feb 2024
Also Mapped Here	ALPHA-TALBOTT UTILITY DISTRICT
Lead	2 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Forest Cir

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