595 Harbor Point Rd, Silver Point, TN 38582 Property Records

DeKalb County property record for 595 Harbor Point Rd, Silver Point, TN 38582

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,910 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Oct 2024)
Tax Bill	$4,528 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021030 00170`

Property Details

APN / Parcel Number

Primary APN	`021030 00170`
Alternative APN	`030 00170`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,910 sqft Living Area
Basement Area	690 sqft
Finished Basement	690 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	564 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	595 HARBOR POINT RD
City	SILVER POINT
State	TN
Zip	38582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 16; SUBDIVISION: HARBOR POINTE
Legal Subdivision	HARBOR POINTE PHASE 1
Legal Lot Number	110
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4025
Census Tract	920300

Owner

595 Harbor Point Rd is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	595 HARBOR POINT RD, SILVER POINT, TN 38582
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage WILSON BANK & TRUST
May 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage US COMMUNITY CREDIT UNION
Jan 20, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2024 · Amount on File
Deed Sale	Oct 29, 2024 · Amount on File
Prior Sale	Jan 20, 2022 · Amount on File
Deed Document Number	216298
Deed Book / Page	581 / 805
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	595 HARBOR POINT RD, SILVER POINT, TN 38582-7998
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HARBOR POINTE DR

Mortgage

Document Number	0005240000000891
Date	May 2, 2022
Book Page	0000000524/0000000891
Instrument	203623

Lender

Name	WILSON BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2023

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	595 HARBOR POINT RD, SILVER POINT, TN 38582-7998
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 NORTHERN RD, MT JULIET, TN 37122-5712

Mortgage

Document Number	0005500000000476
Date	May 24, 2023
Book Page	0000000550/0000000476
Instrument	209396

Lender

Name	US COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2020

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jan 20, 2022
Property Address	595 HARBOR POINT RD, SILVER POINT, TN 38582-7998
Document Number	0005150703
Book / Page	515 / 703
Instrument Date	Jan 18, 2022
Instrument	201658
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HARBOR POINT RD, SILVER POINT, TN 38582-7998

Tax Assessment & Valuation

The 2025 property tax bill for 595 Harbor Point Rd was $4,528.

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	$4,528.00	$180,400 Land $32,000 Building $148,400
2023		$115,100 (+414.99%) Land $22,350 Building $92,750
2022	$387.00	$22,350 Land $22,350	$89,400 (-80.18%) Land $89,400
2021			$451,000 Land $80,000 Building $371,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 595 Harbor Point Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.

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
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

Wildfire risk around 595 Harbor Point Rd 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.

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 15 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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