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

DeKalb County property record for 928 Harbor Pointe Dr, Silver Point, TN 38582

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,102 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	2 Trust Names on File
Last Sale	$1,065,000 (Aug 2025)
Tax Bill	$3,153 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021030 00143`

Property Details

APN / Parcel Number

Primary APN	`021030 00143`
Alternative APN	`030 00143`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,102 sqft Living Area
1st Floor Area	1,770 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	148 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	928 HARBOR POINTE DR
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
Legal Lot Number	82
Jurisdiction	DE KALB TN
Township / Civil Division	1
Census Block Group	4
Census Block	4025
Census Tract	920300

Owner

928 Harbor Pointe Dr is owner-occupied and held in a trust since September 2025.

Source: DeKalb County records, as of July 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	928 HARBOR POINTE DR, SILVER POINT, TN 38582
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
Apr 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Oct 15, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 13, 2025	Warranty Deed, Transfer · Conventional Mortgage VOLUNTEER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2025 · Amount on File
Deed Sale	Aug 13, 2025 · Amount on File
Prior Sale	Jan 4, 2016 · Amount on File
Deed Document Number	2025220421
Deed Book / Page	601 / 176
Last Transfer Date	Sep 18, 2025
Transfer Doc	0006050207
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB TN
Property Address	928 HARBOR POINTE DR, SILVER POINT, TN 38582
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	HARBOR POINTE DR

Mortgage

Document Number	0005480000000635
Date	Apr 28, 2023
Book Page	0000000548/0000000635
Instrument	209014

Lender

Name	FIRSTBANK

Agreement

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

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB TN
Recording Date	Oct 15, 2025
Property Address	928 HARBOR POINTE DR, SILVER POINT, TN 38582
Document Number	0006050207
Book / Page	605 / 207
Instrument Date	Sep 18, 2025
Instrument	221282
Transaction Type	Transfer
Record Updated	Nov 17, 2025

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	2026 OVERHILL DR, NASHVILLE, TN 37215-3415

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB TN
Recording Date	Aug 13, 2025
Property Address	928 HARBOR POINTE DR, SILVER POINT, TN 38582
Document Number	0006010176
Book / Page	601 / 176
Instrument Date	Aug 1, 2025
Instrument	220421
Transaction Type	Transfer
Record Updated	Nov 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.41
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 HARBOR POINTE DR, SILVER POINT, TN 38582

Mortgage

Document Number	0000220422
Date	Aug 13, 2025
Instrument	220422

Lender

Name	VOLUNTEER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 928 Harbor Pointe Dr was $3,153, up 0.6% from the year before.

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	$3,153.00 (+0.64%)	$125,600 (+0.62%) Land $20,000 Building $105,600
2024	$3,133.00	$124,825 (-) Land $19,225 Building $105,600
2023		$124,825 (+549.28%) Land $19,225 Building $105,600
2022	$333.00	$19,225 Land $19,225	$76,900 (-84.69%) Land $76,900
2021			$502,400 Land $80,000 Building $422,400

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 928 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 928 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 94% of the US · lower than 95% 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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