Hamilton County property record for 1815 Gray Rd, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,717 sqft · built 2007 |
| Lot Size | 0.558 acres (24,312 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $775,000 (Aug 2025) |
| Tax Bill | $2,505 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2025 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159A D 015 |
| Primary APN | 159A D 015 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,717 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 24,312 sqft (0.558 acres) |
| Lot Dimensions | 229 ft deep x 111 ft wide |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000101178 |
|---|---|
| Street Address | 1815 GRAY RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 1-B RESUB OF LTS 3&5 JANE GRAYS SUB REV PB30 PG9 REV 50-179 REV 59-340 |
| Legal Subdivision | JANE GRAYS SUBDIVISION |
| Legal Lot Number | 3,5 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11321 |
1815 Gray Rd is owned and occupied by two individuals who bought it in August 2025.
Source: Hamilton County records, as of January 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMTRUST FCU |
| Apr 30, 2025 | Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC |
| Aug 4, 2025 | Warranty Deed, Transfer TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Sep 14, 2018 | Reverse Mortgage, Mortgage FIRSTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2025 · Amount on File |
| Deed Sale | Aug 4, 2025 · Amount on File |
| Prior Sale | Jun 30, 1997 · Amount on File |
| Deed Document Number | 2025100 |
| Deed Book / Page | 14003 / 189 |
| Prior Transfer Date | Dec 15, 2000 |
| Prior Transfer Doc | 5740755 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | TRUSTER TITLE INSURANCE COMPANY, FIRST TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000000092 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 14124/372 |
| Instrument | 2025120200092 |
| Name | COMTRUST FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Document Number | 0000000072 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 13907/353 |
| Instrument | 2025043000072 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 889 Months |
| Due | May 25, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Jun 1, 2025 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Aug 4, 2025 |
| Property Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Document Number | 0000000100 |
| Book / Page | 14003 / 189 |
| Map Reference | MB 59 PG 340 |
| Instrument Date | Jul 31, 2025 |
| Instrument | 2025080400100 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Tax | $2,867.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 14, 2018 |
| Property Address | 1815 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Document Number | 0914000095 |
| Book / Page | 011452 / 000815 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 180914000095 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | FIRST TITLE INSURANCE AGENCY INC, FIRST TITLE INS |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1815 GRAY RD CHATTANOOGA TN 374213120, CHATTANOOGA, TN 37421-3120 |
| Document Number | 914000096 |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 011452/000817 |
| Instrument | 180914000096 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35243 |
| Amount | Amount on Record |
|---|---|
| Term | 972 Months |
| Due | Sep 13, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.08% |
| Document Number | 914000097, |
|---|---|
| Date | Sep 14, 2018 |
| Book Page | 011452/000834 |
| Instrument | 180914000097 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 972 Months |
| Due | Sep 13, 2099 |
The 2025 property tax bill for 1815 Gray Rd was $2,505, up 13.9% 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 | $2,505.00 (+13.86%) | $165,325 (+68.1%) | $661,300 (+68.1%) Land $110,000 Building $551,300 |
| 2024 | $2,200.00 | $98,350 (-) | $393,400 (-) Land $50,000 Building $343,400 |
| 2023 | $2,200.00 | $98,350 (-) | $393,400 (-) Land $50,000 Building $343,400 |
| 2022 | $2,200.00 | $98,350 | $393,400 Land $50,000 Building $343,400 |
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.
FEMA maps place 1815 Gray Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 1815 Gray Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 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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