1897 Lela Ln, Chattanooga, TN 37421 Property Records

Hamilton County property record for 1897 Lela Ln, Chattanooga, TN 37421

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,705 sqft · built 2003
Lot Size	0.279 acres (12,155 sqft)
Owner	Individual Name on Record
Last Sale	$359,900 (Aug 2021)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`159F A 002.05`

Property Details

APN / Parcel Number

Primary APN	`159F A 002.05`
Alternative APN	`0000149654`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,705 sqft Living Area

Exterior

Year Built	Built 2003
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,155 sqft (0.279 acres)
Lot Dimensions	65 ft deep x 187 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000149654
Old Parcel Number	159F A 00205
Street Address	1897 LELA LN
City	CHATTANOOGA
State	TN
Zip	37421-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 40 IGOU VILLAGE SUB PB 70 PG 45
Legal Subdivision	IGOU VILLAGE SUB
Legal Lot Number	40
Jurisdiction	HAMILTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2001
Census Tract	11321

Owner

Source: Hamilton County records, as of December 31, 2025

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
Co-owner	Co-owner on Record
Mailing Address	1897 LELA LN, CHATTANOOGA, TN 37421-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Feb 12, 2009 · Amount on Record
Deed Document Number	2021083100282
Deed Book / Page	12631 / 752
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	1897 LELA LN, CHATTANOOGA, TN 37421-3215
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000133
Date	Sep 27, 2022
Book Page	13100/625
Instrument	2022092700133

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 31, 2021
Property Address	1897 LELA LN, CHATTANOOGA, TN 37421-3215
Document Number	0000000282
Book / Page	12631 / 752
Map Reference	MB 70 PG 45
Instrument Date	Aug 30, 2021
Instrument	2021083100282
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,331.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1897 LELA LN, CHATTANOOGA, TN 37421-3215
Investor	Possibly a Property Investor

Mortgage

Document Number	0012631755
Date	Aug 31, 2021
Instrument	12631/755

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,358.00 (-2.51%)	$89,600 (+43.88%)	$358,400 (+43.88%) Land $75,000 Building $283,400
2024	$1,393.00	$62,275 (-)	$249,100 (-) Land $55,000 Building $194,100
2023	$1,393.00	$62,275 (-)	$249,100 (-) Land $55,000 Building $194,100
2022	$1,393.00	$62,275	$249,100 Land $55,000 Building $194,100

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (2012–2025)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2025 · rainfall accumulation

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 64% of the US · above 52% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	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

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 354 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

May also be available: AT&T.

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