2905 Lake Forest Cir, Talbott, TN 37877 Property Records

Jefferson County property record for 2905 Lake Forest Cir, Talbott, TN 37877

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,450 sqft · built 1976
Lot Size	0.52 acres (22,685 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,500 (Dec 2018)
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045003O B 01900`

Property Details

APN / Parcel Number

Primary APN	`045003O B 01900`
Alternative APN	`003O B 01900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	1,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,685 sqft
Lot Dimensions	223 ft deep x 101 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	192 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2905 LAKE FOREST CIR
City	TALBOTT
State	TN
Zip	37877-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	TIMBERLAKE 58
Legal Subdivision	TIMBERLAKE
Legal Lot Number	58 101
Jurisdiction	JEFFERSON TN
Township / Civil Division	10
Census Block Group	1
Census Block	1005
Census Tract	70300

Owner

Source: Jefferson County records, as of February 6, 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	2905 LAKE FOREST CIR, TALBOTT, TN 37877-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · VA Mortgage FOUNTAIN CITY FUNDING INC
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage FOUNTAIN CITY FUNDING INC
Dec 27, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Feb 6, 2006 · Amount on Record
Deed Document Number	18009473
Deed Book / Page	1453 / 099
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON TN
Property Address	2905 LAKE FOREST CIR, TALBOTT, TN 37877-3021
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	BROADWAY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1632337
Date	Aug 23, 2021
Book Page	1632/337
Instrument	21008129

Lender

Name	FOUNTAIN CITY FUNDING INC
Type	Mortgage Company
Address	KNOXVILLE, TN 37918

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON TN
Property Address	2905 LAKE FOREST CIR, TALBOTT, TN 37877-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BROADWAY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	155432
Date	Sep 1, 2020
Book Page	1554/32
Instrument	20006799

Lender

Name	FOUNTAIN CITY FUNDING INC
Type	Mortgage Company
Address	KNOXVILLE, TN 37918

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Dec 27, 2018
Property Address	2905 LAKE FOREST CIR, TALBOTT, TN 37877-3021
Document Number	145399
Book / Page	001453 / 000099
Instrument Date	Dec 20, 2018
Instrument	9473
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	COLONIAL TITLE GROUP INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$712.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2905 LAKE FOREST CIR TALBOTT TN 378773021, TALBOTT, TN 37877-3021

Mortgage

Document Number	1453101
Date	Dec 27, 2018
Book Page	001453/000101
Instrument	9474

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2033

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 20, 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	$1,351.00 (+31.8%)	$90,700 (+93.8%) Land $15,000 Building $75,700
2024			$362,800 (+93.8%) Land $60,000 Building $302,800
2022	$1,025.00	$46,800 Land $10,800 Building $36,000	$187,200 Land $43,200 Building $144,000

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

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 Record 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

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

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