DeKalb County property record for 850 Harbor Dr, Lancaster, TN 38569
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,200 sqft · built 2004 |
| Lot Size | 3.8 acres (165,528 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (Jun 2023) |
| Tax Bill | $2,390 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 021019L A 10200 |
| Primary APN | 021019L A 10200 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stone |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 165,528 sqft (3.8 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
| Porch Area | 800 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 850 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 Lot Number | 35 |
| Jurisdiction | DE KALB TN |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4065 |
| Census Tract | 920300 |
850 Harbor Dr is owned and occupied by an individual who bought it in June 2023.
Source: DeKalb County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE |
| Jul 7, 2022 | Deed of Trust, Mortgage · Commercial Mortgage WILSON BANK & TRUST |
| Aug 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SARA B PIGG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on File |
| Deed Sale | Jun 30, 2023 · Amount on File |
| Deed Document Number | 209930 |
| Deed Book / Page | 552 / 778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DE KALB TN |
| Recording Date | Jun 30, 2023 |
| Property Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| Document Number | 0005520778 |
| Book / Page | 552 / 778 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 209930 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| Document Number | 0005520000000780 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 0000000552/0000000780 |
| Instrument | 209931 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB TN |
| Property Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| Document Number | 0005290000000623 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 0000000529/0000000623 |
| Instrument | 204705 |
| Name | WILSON BANK & TRUST |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB TN |
| Property Address | 850 HARBOR DR, LANCASTER, TN 38569-5247 |
| Document Number | 0004160449 |
| Book / Page | 000416 / 000449 |
| Instrument Date | Aug 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0004160449 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 000416/000449 |
| Name | SARA B PIGG |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 850 Harbor Dr was $2,390.
Source: DeKalb County assessment roll, as of May 20, 2025
| 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 | $2,390.00 | $95,200 Land $28,500 Building $66,700 | |
| 2023 | $89,800 (-) Land $23,100 Building $66,700 | ||
| 2022 | $1,554.00 | $89,800 Land $23,100 Building $66,700 | $359,200 (-5.67%) Land $92,400 Building $266,800 |
| 2021 | $380,800 Land $114,000 Building $266,800 |
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.
FEMA maps place 850 Harbor Dr 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 risk around 850 Harbor Dr 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.
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 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 |
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