DeKalb County property record for 515 Harbor Dr, Lancaster, TN 38569
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,998 sqft · built 2003 |
| Lot Size | 0.497 acres (21,686 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Jul 2015) |
| Tax Bill | $2,045 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 021019L A 02900 |
| Primary APN | 021019L A 02900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,998 sqft Living Area |
| 1st Floor Area | 1,998 sqft |
| Basement Area | 1,664 sqft |
| Finished Basement | 960 sqft |
| Unfinished Basement | 704 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,686 sqft |
| Lot Dimensions | 216 ft deep x 100 ft wide |
| Terrain | Rolling |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 18 sqft |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 515 HARBOR DR |
|---|---|
| City | LANCASTER |
| State | TN |
| Zip | 38569-5252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 09/12 |
| Legal Description | DISTRICT: 15; SUBDIVISION: COVE HOLLOW BAY PHASE I |
| Legal Subdivision | COVE HOLLOW BAY PHASE I |
| Legal Lot Number | 22 100 |
| Jurisdiction | DE KALB TN |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 920300 |
515 Harbor Dr is owned by two individuals who bought it in July 2015.
Source: DeKalb County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2610 DONCASTER DR, AURORA, IL 60504-3204 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2015 · Amount on File |
| Deed Sale | Jul 8, 2015 · Amount on File |
| Prior Sale | Apr 16, 2014 · Amount on File |
| Deed Document Number | 0000383825 |
| Deed Book / Page | 383 / 825 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 515 Harbor Dr was $2,045.
Source: DeKalb County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | DeKalb County |
| Unified School District | DeKalb County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,045.00 | $81,475 Land $17,500 Building $63,975 | |
| 2023 | $81,475 (-) Land $17,500 Building $63,975 | ||
| 2022 | $1,410.00 | $81,475 Land $17,500 Building $63,975 | $325,900 (-) Land $70,000 Building $255,900 |
| 2021 | $325,900 Land $70,000 Building $255,900 |
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.
FEMA maps place 515 Harbor 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 risk around 515 Harbor 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 12 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 |
4G LTE only, no 5G reported
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