810 Harbor Dr, Lancaster, TN 38569 Property Records

DeKalb County property record for 810 Harbor Dr, Lancaster, TN 38569

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,928 sqft · built 2004
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jul 2020)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021019L A 09800`

Property Details

APN / Parcel Number

Primary APN	`021019L A 09800`
Alternative APN	`019L A 09800`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,928 sqft Living Area
1st Floor Area	1,622 sqft
Upper Floors Area	1,020 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	810 HARBOR DR
City	LANCASTER
State	TN
Zip	38569-5247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10/16
Legal Description	DISTRICT: 15; SUBDIVISION: COVE HOLLOW BAY PHASE II
Legal Subdivision	COVE HOLLOW BAY PHASE II
Legal Block	C
Legal Lot Number	31
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4065
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	4320 LITTLE ROCK RD, EAGLEVILLE, TN 37060-4325
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Oct 23, 2015 · Amount on Record
Deed Document Number	192905
Deed Book / Page	470 / 445
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Jul 24, 2020
Property Address	810 HARBOR DR, LANCASTER, TN 38569-5247
Document Number	0000192905
Book / Page	000470 / 000445
Instrument Date	Jul 22, 2020
Instrument	192905
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,147.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 LITTLE ROCK RD EAGLEVILLE TN 370604325, EAGLEVILLE, TN 37060-4325

Mortgage

Document Number	192906
Date	Jul 24, 2020
Book Page	000470/000447
Instrument	192906

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

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	$3,218.00 (+45.02%)	$128,200 (-) Land $25,000 Building $103,200
2023		$128,200 (-) Land $25,000 Building $103,200
2022	$2,219.00	$128,200 Land $25,000 Building $103,200	$320,500 (-) Land $62,500 Building $258,000
2021			$320,500 Land $62,500 Building $258,000

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

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

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 17 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