Hamilton County property record for 1118 Saddlebrook Dr, Chattanooga, TN 37405
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 2,518 sqft · built 2007 |
| Lot Size | 0.226 acres (9,880 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Sep 2026) |
| Tax Bill | $1,839 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 117C E 031 |
| Primary APN | 117C E 031 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,518 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Townhouse |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,880 sqft (0.226 acres) |
| Lot Dimensions | 195 ft deep x 31.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000158182 |
|---|---|
| Street Address | 1118 SADDLEBROOK DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-1938 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LT 209 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 | 209 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 10904 |
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.
1118 Saddlebrook Dr, a townhouse, is owned and occupied by two individuals who bought it in September 2026.
Source: Hamilton County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1118 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Sep 18, 2026 | Warranty Deed, Transfer M AND M TITLE INSURANCE, HON & KOPET TITLE |
| Jun 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on File |
| Deed Sale | Sep 18, 2026 · Amount on File |
| Prior Sale | Jun 3, 2021 · Amount on File |
| Deed Document Number | 20260918216 |
| Deed Book / Page | 14442 / 920 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 18, 2026 |
| Property Address | 1118 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938 |
| Document Number | 0000000216 |
| Book / Page | 14442 / 920 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 2026216 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | M AND M TITLE INSURANCE, HON & KOPET TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $186,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1118 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 3, 2021 |
| Property Address | 1118 SADDLEBROOK DR, CHATTANOOGA, TN 37405-1938 |
| Document Number | 0000000035 |
| Book / Page | 12510 / 253 |
| Map Reference | MB 83 PG 47 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 2021060300035 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | REALTY PRO TITLE, REALTY CENTER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,461.53 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 SADDLEBROOK DR, CHATTANOOGA, TN 37405 |
| Document Number | 0012510256 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 12510/256 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 1118 Saddlebrook Dr was $1,839, up 0.7% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,839.00 (+0.71%) | $121,350 (+48.62%) | $485,400 (+48.62%) Land $90,000 Building $395,400 |
| 2024 | $1,826.00 | $81,650 (-) | $326,600 (-) Land $50,000 Building $276,600 |
| 2023 | $1,826.00 | $81,650 (-) | $326,600 (-) Land $50,000 Building $276,600 |
| 2022 | $1,826.00 | $81,650 | $326,600 Land $50,000 Building $276,600 |
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 1118 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 risk around 1118 Saddlebrook Dr is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 69% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.09% 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 | 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 |
| 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.
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 |
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