1118 McDonald Dr, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1118 McDonald Dr, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,745 sqft · built 1992
Lot Size	0.354 acres (15,423 sqft)
Owner	Individual Name on File
Last Sale	$369,327 (Jun 2026)
Tax Bill	$1,425 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159O C 015.02`

Property Details

APN / Parcel Number

Primary APN	`159O C 015.02`
Alternative APN	`0000128445`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,423 sqft (0.354 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000128445
Street Address	1118 MCDONALD DR
City	CHATTANOOGA
State	TN
Zip	37421-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 MC DONALDS ADDN REV 15-39
Legal Subdivision	MCDONALDS ADDITION
Legal Lot Number	4
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2010
Census Tract	11321

Owner

1118 McDonald Dr is owned and occupied by an individual who bought it in June 2026.

Source: Hamilton County records, as of June 30, 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	Individual Name on File
Mailing Address	1118 MCDONALD DR, CHATTANOOGA, TN 37421-3210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on File
Deed Sale	Jun 22, 2026 · Amount on File
Prior Sale	Oct 31, 2005 · Amount on File
Deed Document Number	202635
Deed Book / Page	14340 / 727
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 22, 2026
Property Address	1118 MCDONALD DR, CHATTANOOGA, TN 37421-3210
Document Number	0000000035
Book / Page	14340 / 727
Instrument Date	Jun 18, 2026
Instrument	202635
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,017.51
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 MCDONALD DR, CHATTANOOGA, TN 37421-3210

Mortgage

Document Number	0000000036,
Date	Jun 22, 2026
Instrument	20262236

Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1118 McDonald Dr was $1,425, up 9.8% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$1,425.00 (+9.78%)	$94,075 (+62.06%)	$376,300 (+62.06%) Land $70,000 Building $306,300
2024	$1,298.00	$58,050 (-)	$232,200 (-) Land $50,000 Building $182,200
2023	$1,298.00 (+3.43%)	$58,050 (+3.48%)	$232,200 (+3.48%) Land $50,000 Building $182,200
2022	$1,255.00	$56,100	$224,400 Land $50,000 Building $174,400

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 1118 McDonald Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2012.

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
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (2012–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2025 · 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 1118 McDonald 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 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 125 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20