Hamilton County property record for 1810 Gray Rd, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,516 sqft · built 1963 |
| Lot Size | 0.532 acres (23,175 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,900 (Nov 2021) |
| Tax Bill | $858 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Dec 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 159B A 006 |
| Primary APN | 159B A 006 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 23,175 sqft (0.532 acres) |
| Lot Dimensions | 225 ft deep x 103 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000101191 |
|---|---|
| Street Address | 1810 GRAY RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT PT 1 MRS JANE GRAYS PB 13 PG 6 PU 699 |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11321 |
1810 Gray Rd is owned and occupied by an individual who bought it in November 2021.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1810 GRAY RD, CHATTANOOGA, TN 37421-3119 |
| 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 |
|---|---|
| Nov 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 29, 2017 | Warranty Deed, Transfer JONES RAULSTON TITLE INSURANCE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2021 · Amount on File |
| Deed Sale | Nov 10, 2021 · Amount on File |
| Prior Sale | Dec 29, 2017 · Amount on File |
| Deed Document Number | 0012728843 |
| Deed Book / Page | 12728 / 843 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Nov 10, 2021 |
| Property Address | 1810 GRAY RD, CHATTANOOGA, TN 37421-3119 |
| Document Number | 0000000154 |
| Book / Page | 12728 / 843 |
| Instrument Date | Nov 10, 2021 |
| Instrument | 2021111000154 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $983.83 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1810 GRAY RD, CHATTANOOGA, TN 37421-3119 |
| Document Number | 0012728846 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 12728/846 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 29, 2017 |
| Property Address | 1810 GRAY RD, CHATTANOOGA, TN 37421-3119 |
| Document Number | 0000000219 |
| Book / Page | 011239 / 000355 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 219 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | JONES RAULSTON TITLE INSURANCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $508.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8351 PETTY RD CHATTANOOGA TN 374213480, CHATTANOOGA, TN 37421-3480 |
The 2025 property tax bill for 1810 Gray Rd was $858, up 4.5% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $858.00 (+4.51%) | $56,625 (+54.29%) | $226,500 (+54.29%) Land $90,000 Building $136,500 |
| 2024 | $821.00 | $36,700 (-) | $146,800 (-) Land $50,000 Building $96,800 |
| 2023 | $821.00 | $36,700 (-) | $146,800 (-) Land $50,000 Building $96,800 |
| 2022 | $821.00 | $36,700 | $146,800 Land $50,000 Building $96,800 |
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 1810 Gray Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 7 (2009–2020) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 1810 Gray Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 57% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.08% 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 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| 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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