Hamilton County property record for 1817 Gray Rd, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,026 sqft · built 1999 |
| Lot Size | 0.536 acres (23,386 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,977 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 159A D 015.05 |
| Primary APN | 159A D 015.05 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,026 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 23,386 sqft (0.536 acres) |
| Lot Dimensions | 221 ft deep x 110 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000142232 |
|---|---|
| Street Address | 1817 GRAY RD |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1-C JANE GRAYS SUB PB59 PG340 |
| Legal Subdivision | JANE GRAYS SUB |
| Legal Lot Number | 1-C |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11321 |
1817 Gray Rd is owned and occupied by an individual who acquired it in December 2003.
Source: Hamilton County records, as of January 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1817 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 31, 2003 |
| Transfer Doc | 6979237 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 1817 GRAY RD, CHATTANOOGA, TN 37421-3120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000000118 |
|---|---|
| Date | May 23, 2017 |
| Book Page | 11056/454 |
| Instrument | 2017052300118 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37219 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1817 Gray Rd was $1,977, up 8.3% 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 | $1,977.00 (+8.33%) | $130,450 (+59.91%) | $521,800 (+59.91%) Land $110,000 Building $411,800 |
| 2024 | $1,825.00 | $81,575 (-) | $326,300 (-) Land $50,000 Building $276,300 |
| 2023 | $1,825.00 | $81,575 (-) | $326,300 (-) Land $50,000 Building $276,300 |
| 2022 | $1,825.00 | $81,575 | $326,300 Land $50,000 Building $276,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1817 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 1817 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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