Hamilton County property record for 1328 Learning Ln, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,440 sqft · built 1955 |
| Lot Size | 0.252 acres (10,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $98,300 (Oct 2004) |
| Tax Bill | $807 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 147K F 012 |
| Primary APN | 147K F 012 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,980 sqft (0.252 acres) |
| Lot Dimensions | 122 ft deep x 90 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000080297 |
|---|---|
| Street Address | 1328 LEARNING LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-1705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 38 WOODMORE PB 18 PG 31 |
| Legal Subdivision | WOODMORE |
| Legal Lot Number | 38 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 3300 |
1328 Learning Ln is owned and occupied by two individuals who acquired it in November 2025.
Source: Hamilton County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| 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 |
|---|---|
| Aug 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Nov 7, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 28, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2004 · Amount on File |
| Deed Sale | Oct 5, 2004 · Amount on File |
| Prior Sale | Jul 28, 1997 · Amount on File |
| Deed Document Number | 2004136 |
| Deed Book / Page | 7297 / 29 |
| Last Transfer Date | Nov 5, 2025 |
| Transfer Doc | 0000000075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 14, 2026 |
| Property Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Document Number | 0000000013 |
| Book / Page | 14404 / 386 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202613 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common, 169 |
| Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Document Number | 0000000013, |
|---|---|
| Date | Aug 14, 2026 |
| Book Page | 14404/386 |
| Instrument | 202613 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 7, 2025 |
| Property Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Document Number | 0000000075 |
| Book / Page | 14100 / 664 |
| Map Reference | MB 18 PG 31 |
| Instrument Date | Nov 5, 2025 |
| Instrument | 2025110700075 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1328 LEARNING LN, CHATTANOOGA, TN 37411-1705 |
| Document Number | 0000000022 |
|---|---|
| Date | Mar 28, 2025 |
| Book Page | 13874/771 |
| Instrument | 2025032800022 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 246 Months |
| Due | Sep 1, 2045 |
The 2025 property tax bill for 1328 Learning Ln was $807, up 25.1% 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 | $807.00 (+25.12%) | $53,300 (+84.75%) | $213,200 (+84.75%) Land $51,800 Building $161,400 |
| 2024 | $645.00 | $28,850 (-) | $115,400 (-) Land $34,500 Building $80,900 |
| 2023 | $645.00 | $28,850 (-) | $115,400 (-) Land $34,500 Building $80,900 |
| 2022 | $645.00 | $28,850 | $115,400 Land $34,500 Building $80,900 |
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 1328 Learning Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1980.
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 | 7 in force |
| Nearby Flood Claims | 8 (1980) |
| Most Recent Claim | Mar 1980 · tidal / storm surge |
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 1328 Learning Ln 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 99.1% of the US · lower than 99.2% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 196 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 Fixed Wireless · DSL | 100 / 20 |
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