1851 Cotter Rd, Hixson, TN 37343 Property Records

Hamilton County property record for 1851 Cotter Rd, Hixson, TN 37343

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,656 sqft · built 1972
Lot Size	0.416 acres (18,150 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (Jul 2012)
Tax Bill	$1,185 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`092F A 009`

Property Details

APN / Parcel Number

Primary APN	`092F A 009`
Alternative APN	`0000022580`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,656 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,150 sqft (0.416 acres)
Lot Dimensions	165 ft deep x 110 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000022580
Street Address	1851 COTTER RD
City	HIXSON
State	TN
Zip	37343-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 CLEARWATER ACRES EAST PB 25 PG 3
Legal Subdivision	CLEARWATER ACRES EAS
Legal Lot Number	39
Jurisdiction	HAMILTON TN
Township / Civil Division	3
Census Block Group	3
Census Block	3003
Census Tract	10411

Owner

Source: Hamilton County records, as of January 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1851 COTTER RD, HIXSON, TN 37343-2522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2012 · Amount on Record
Deed Sale	Jul 24, 2012 · Amount on Record
Prior Sale	Aug 30, 2011 · Amount on Record
Deed Document Number	2012216
Deed Book / Page	9698 / 384
Prior Transfer Date	Dec 5, 1997
Prior Transfer Doc	0049880882
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1851 COTTER RD, HIXSON, TN 37343-2522
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000072
Date	Dec 18, 2023
Book Page	13472/286
Instrument	2023121800072

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,185.00 (+11.37%)	$78,225 (+64.42%)	$312,900 (+64.42%) Land $50,000 Building $262,900
2024	$1,064.00 (-0.84%)	$47,575 (-)	$190,300 (-) Land $40,000 Building $150,300
2023	$1,073.00	$47,575	$190,300 Land $40,000 Building $150,300

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.

Flood

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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (1994–2002)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2002 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 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
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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