DeKalb County property record for 615 Harbor Dr, Lancaster, TN 38569
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,080 sqft · built 2008 |
| Lot Size | 1.35 acres (58,806 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $432,000 (Mar 2026) |
| Tax Bill | $2,114 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jul 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021019L A 14800 |
| Primary APN | 021019L A 14800 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,080 sqft Living Area |
| 1st Floor Area | 1,692 sqft |
| Upper Floors Area | 1,292 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 58,806 sqft (1.35 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 290 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 615 HARBOR DR |
|---|---|
| City | LANCASTER |
| State | TN |
| Zip | 38569-5253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0611 |
| Legal Description | DISTRICT: 15; SUBDIVISION: COVE HOLLOW BAY PHASE II |
| Legal Subdivision | COVE HOLLOW BAY PHASE II |
| Legal Lot Number | 49 |
| Jurisdiction | DE KALB TN |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4043 |
| Census Tract | 920300 |
Source: DeKalb County records, as of April 8, 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 | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Jul 12, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Aug 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2026 · Amount on Record |
| Deed Sale | Mar 31, 2026 · Amount on Record |
| Prior Sale | Jul 14, 2015 · Amount on Record |
| Deed Document Number | 2026223681 |
| Deed Book / Page | 616 / 924 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DE KALB TN |
| Recording Date | Mar 31, 2026 |
| Property Address | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Document Number | 0006160924 |
| Book / Page | 616 / 924 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 223681 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Document Number | 0000223682 |
|---|---|
| Date | Mar 31, 2026 |
| Instrument | 223682 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DE KALB TN |
| Recording Date | Jul 12, 2021 |
| Property Address | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Document Number | 0004980743 |
| Book / Page | 498 / 743 |
| Instrument Date | Jul 10, 2021 |
| Instrument | 198349 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB TN |
| Property Address | 615 HARBOR DR, LANCASTER, TN 38569-5253 |
| Document Number | 0000194952 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 615 HARBOR DR LANCASTER TN 385695253, LANCASTER, TN 38569-5253 |
| Document Number | 0000194952 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 000480/000876 |
| Instrument | 194952 |
| Name | ALLY BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 6, 2035 |
Source: DeKalb County assessment roll, as of January 27, 2026
| 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 | $2,114.00 (+44.99%) | $84,225 (-) Land $21,950 Building $62,275 | |
| 2023 | $84,225 (-) Land $21,950 Building $62,275 | ||
| 2022 | $1,458.00 | $84,225 Land $21,950 Building $62,275 | $336,900 (-) Land $87,800 Building $249,100 |
| 2021 | $336,900 Land $87,800 Building $249,100 |
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.
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.
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 |
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