1102 Saddlebrook Dr, Chattanooga, TN 37405 Property Records

Hamilton County property record for 1102 Saddlebrook Dr, Chattanooga, TN 37405

Property Summary

Property Type	Townhouse
Details	4 ba · 1,576 sqft · built 2007
Lot Size	0.094 acres (4,107 sqft)
Owner	Individual Name on File
Last Sale	$393,000 (Oct 2022)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117C E 027`

Property Details

APN / Parcel Number

Primary APN	`117C E 027`
Alternative APN	`0000158178`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,576 sqft Living Area

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	4,107 sqft (0.094 acres)
Lot Dimensions	136 ft deep x 30.2 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000158178
Old Parcel Number	117C E 027
Street Address	1102 SADDLEBROOK DR
City	CHATTANOOGA
State	TN
Zip	37405-1938
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LT 213 HORSE CREEK FARMS PH 2 PB83 PG47 OUT OF 117C-A-6 FOR 2007
Legal Subdivision	HORSE CREEK FARMS PH
Legal Phase	2
Legal Lot Number	213
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1005
Census Tract	10904

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1102 Saddlebrook Dr, a townhouse, is owned and occupied by an individual who bought it in October 2022.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1102 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Jun 5, 2007 · Amount on File
Deed Document Number	2022100400122
Deed Book / Page	13107 / 292
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Oct 4, 2022
Property Address	1102 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938
Document Number	0000000122
Book / Page	13107 / 292
Map Reference	MB 83 PG 47
Instrument Date	Oct 3, 2022
Instrument	2022100400122
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,454.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938

Mortgage

Document Number	0131070297
Date	Oct 4, 2022
Instrument	13107-0297

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1102 Saddlebrook Dr was $1,488, up 0.8% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Chattanooga City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,488.00 (+0.81%)	$98,175 (+48.75%)	$392,700 (+48.75%) Land $90,000 Building $302,700
2024	$1,476.00	$66,000 (-)	$264,000 (-) Land $50,000 Building $214,000
2023	$1,476.00	$66,000	$264,000 Land $50,000 Building $214,000

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 1102 Saddlebrook Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · 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	9 in force

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 1102 Saddlebrook Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 53% of Tennessee
Wildfire Likelihood	0.04% 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	TENNESSEE AMERICAN WATER private · serves 207,046 people · EPA ID TN0000107
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
EPB Fiber	100,000 / 100,000
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20