Hamilton County property record for 1306 Phils Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,487 sqft · built 1958 |
| Lot Size | 0.366 acres (15,962 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Oct 2022) |
| Tax Bill | $1,067 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Aug 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 158F F 018 |
| Primary APN | 158F F 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,487 sqft Living Area |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,962 sqft (0.366 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000099915 |
|---|---|
| Street Address | 1306 PHILS DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-4037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 33 BLK A CONCORD HGTS RESUB PB 15 PG 13 |
| Legal Block | A |
| Legal Lot Number | 33 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11446 |
1306 Phils Dr is owned and occupied by an individual who bought it in October 2022.
Source: Hamilton County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1306 PHILS DR, CHATTANOOGA, TN 37421-4037 |
| 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 |
|---|---|
| Oct 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 26, 2019 | Loan Modification, Mortgage · FHA Mortgage ROUNDPOINT MTG SVCNG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on File |
| Deed Sale | Oct 26, 2022 · Amount on File |
| Prior Sale | Jan 19, 2016 · Amount on File |
| Deed Document Number | 202215 |
| Deed Book / Page | 13126 / 275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Oct 26, 2022 |
| Property Address | 1306 PHILS DR, CHATTANOOGA, TN 37421-4037 |
| Document Number | 0000000015 |
| Book / Page | 13126 / 275 |
| Map Reference | MB 15 PG 13 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 2022102600015 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | UNKNOWN, BRIDGE CIRY TTL EAST BRAINER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,017.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1306 PHILS DR, CHATTANOOGA, TN 37421-4037 |
| Document Number | 0131260279 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 13126-0279 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Nov 1, 2062 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1306 PHILS DR, CHATTANOOGA, TN 37421-4037 |
| Document Number | 0910000024 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1306 PHILS DR CHATTANOOGA TN 374214037, CHATTANOOGA, TN 37421-4037 |
| Document Number | 0910000024 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 011753/000572 |
| Instrument | 190910000024 |
| Name | ROUNDPOINT MTG SVCNG |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28217 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2049 |
| Rate | 4.88% |
|---|
The 2025 property tax bill for 1306 Phils Dr was $1,067, up 9.3% 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 | $1,067.00 (+9.32%) | $70,425 (+61.34%) | $281,700 (+61.34%) Land $60,000 Building $221,700 |
| 2024 | $976.00 | $43,650 (-) | $174,600 (-) Land $50,000 Building $124,600 |
| 2023 | $976.00 | $43,650 | $174,600 Land $50,000 Building $124,600 |
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 1306 Phils Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1994.
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 | 3 in force |
| Nearby Flood Claims | 12 (1994–2025) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Aug 2025 · rainfall accumulation |
| Claims by Event |
|
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 1306 Phils Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 222 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 · Fiber in parts of the area | 100 / 20 |
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