635 Harbor Pointe Dr, Silver Point, TN 38582 Property Records

DeKalb County property record for 635 Harbor Pointe Dr, Silver Point, TN 38582

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,000 sqft · built 2024
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$299,998 (Sep 2022)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`021030 00157`

Property Details

APN / Parcel Number

Primary APN	`021030 00157`
Alternative APN	`030 00157`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,000 sqft Living Area
1st Floor Area	3,000 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Porch	Slab
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	635 HARBOR POINTE DR
City	SILVER POINT
State	TN
Zip	38582-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 16; SUBDIVISION: HARBOR POINTE
Legal Subdivision	HARBOR POINTE
Legal Lot Number	96
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4025
Census Tract	920300

Owner

635 Harbor Pointe Dr is owned and occupied by two individuals who bought it in September 2022.

Source: DeKalb County records, as of June 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	635 HARBOR POINTE DR, SILVER POINT, TN 38582-1002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Warranty Deed, Transfer · Commercial Mortgage WILSON BANK & TRUST
Jan 21, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Prior Sale	Dec 15, 2014 · Amount on File
Deed Document Number	2022205653
Deed Book / Page	533 / 903
Prior Transfer Date	Jan 18, 2022
Prior Transfer Doc	0005150781
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Sep 7, 2022
Property Address	635 HARBOR POINTE DR, SILVER POINT, TN 38582-1002
Document Number	0005330903
Book / Page	533 / 903
Instrument Date	Aug 25, 2022
Instrument	205653
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	411 RIDGECREST LN, LEBANON, TN 37087-1351

Mortgage

Document Number	0000205654
Date	Sep 7, 2022
Instrument	205654

Lender

Name	WILSON BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	172 Months
Due	Jan 1, 2037

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB TN
Recording Date	Jan 21, 2022
Property Address	635 HARBOR POINTE DR, SILVER POINT, TN 38582-1002
Document Number	0005150781
Book / Page	515 / 781
Instrument Date	Jan 18, 2022
Instrument	201674
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3624 BROOKSTONE DR, COOKEVILLE, TN 38506-5802

Tax Assessment & Valuation

The 2025 property tax bill for 635 Harbor Pointe Dr was $3,274.

Source: DeKalb County assessment roll, as of January 27, 2026

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	$3,274.00	$130,450 Land $31,950 Building $98,500
2023		$27,725 Land $27,725
2021			$521,800 Land $127,800 Building $394,000

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

FEMA maps place 635 Harbor Pointe 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

Wildfire risk around 635 Harbor Pointe Dr is low, with less than 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 93% of the US · lower than 93% of Tennessee
Wildfire Likelihood	Under 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 only, no 5G reported

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