545 Harbor Dr, Lancaster, TN 38569 Property Records

DeKalb County property record for 545 Harbor Dr, Lancaster, TN 38569

Property Summary

Property Type	Single Family Home
Details	2 ba · 936 sqft · built 2002
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$252,500 (Dec 2018)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`021019L A 03200`

Property Details

APN / Parcel Number

Primary APN	`021019L A 03200`
Alternative APN	`019L A 03200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	936 sqft Living Area
1st Floor Area	720 sqft
Upper Floors Area	720 sqft
Basement Area	360 sqft
Finished Basement	180 sqft
Unfinished Basement	180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.739 acres)
Lot Dimensions	208 ft deep x 166 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	320 sqft
Deck Area	192 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	545 HARBOR DR
City	LANCASTER
State	TN
Zip	38569-5252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03/27
Legal Description	DISTRICT: 15; SUBDIVISION: COVE HOLLOW BAY PHASE I
Legal Subdivision	COVE HOLLOW BAY PHASE I
Legal Lot Number	25 111
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4043
Census Tract	920300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L
Oct 1, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Dec 6, 2018	Warranty Deed, Transfer MTG RESEARCH CTR LLC
Feb 22, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2018 · Amount on Record
Deed Sale	Dec 6, 2018 · Amount on Record
Prior Sale	Feb 22, 2018
Deed Document Number	185398
Deed Book / Page	437 / 706
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Document Number	0000193893
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HARBOR DR LANCASTER TN 385695252, LANCASTER, TN 38569-5252

Mortgage

Document Number	0000193893
Date	Sep 23, 2020
Book Page	000475/000650
Instrument	193893

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Document Number	0000189150
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HARBOR DR LANCASTER TN 385695252, LANCASTER, TN 38569-5252

Mortgage

Document Number	0000189150
Date	Oct 9, 2019
Book Page	000453/000558
Instrument	189150

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Dec 6, 2018
Property Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Document Number	0000185398
Book / Page	000437 / 000706
Instrument Date	Dec 4, 2018
Instrument	185398
Transaction Type	Transfer
Record Updated	Jan 31, 2019

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$934.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HARBOR DR LANCASTER TN 385695252, LANCASTER, TN 38569-5252

Mortgage

Document Number	185399
Date	Dec 6, 2018
Book Page	000427/000711
Instrument	185399

Lender

Name	MTG RESEARCH CTR LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB TN
Recording Date	Feb 22, 2018
Property Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Document Number	0000182034
Book / Page	000423 / 000696
Instrument Date	Feb 20, 2018
Instrument	182034
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 S CHURCH ST MURFREESBORO TN 371309410, MURFREESBORO, TN 37130-9410

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB TN
Recording Date	Feb 9, 2018
Property Address	545 HARBOR DR, LANCASTER, TN 38569-5252
Document Number	0000181908
Book / Page	000423 / 000106
Instrument Date	Feb 6, 2018
Instrument	181908
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1746 SOMERSET DR MURFREESBORO TN 371296522, MURFREESBORO, TN 37129-6522

Tax Assessment & Valuation

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	$1,192.00 (+45.01%)	$47,475 (-) Land $17,500 Building $29,975
2023		$47,475 (-) Land $17,500 Building $29,975
2022	$822.00	$47,475 Land $17,500 Building $29,975	$189,900 (-) Land $70,000 Building $119,900
2021			$189,900 Land $70,000 Building $119,900

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.

Flood

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

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.

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 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

Cell Coverage

4G LTE only, no 5G reported

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