20 N Crest Rd, Chattanooga, TN 37404 Property Records

Hamilton County property record for 20 N Crest Rd, Chattanooga, TN 37404

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,645 sqft · built 1965
Lot Size	0.597 acres (26,015 sqft)
Owner	2 Individual Names on File
Last Sale	$7,000,000 (Nov 2017)
Tax Bill	$3,709 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146M G 007`

Property Details

APN / Parcel Number

Primary APN	`146M G 007`
Alternative APN	`0000076286`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,645 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	26,015 sqft (0.597 acres)
Lot Dimensions	121 ft deep x 215 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000076286
Street Address	20 N CREST RD
City	CHATTANOOGA
State	TN
Zip	37404-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 1 COLYAR PLACE PB19 PG43
Legal Subdivision	COLYAR PLACE
Legal Lot Number	1
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	2
Census Block	2004
Census Tract	2900

Owner

20 N Crest Rd is owned and occupied by two individuals who bought it in November 2017.

Source: Hamilton County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 N CREST RD, CHATTANOOGA, TN 37404-1827
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2017 · Amount on File
Deed Sale	Nov 20, 2017 · Amount on File
Prior Sale	Nov 28, 2016 · Amount on File
Deed Document Number	2017181
Deed Book / Page	11207 / 582
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	20 N CREST RD, CHATTANOOGA, TN 37404-1827
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 N CREST RD, CHATTANOOGA, TN 37404-1827

Mortgage

Document Number	0000000165
Date	Sep 9, 2025
Book Page	14039/1
Instrument	2025090900165

Lender

Name	ROCKPOINT BANK NA
Type	Bank
Address	CHATTANOOGA, TN 37402

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	60 Months
Due	Sep 9, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 20 N Crest Rd was $3,709, down 15.9% from the year before.

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

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	$3,709.00 (-15.86%)	$244,725 (+24.19%)	$978,900 (+24.19%) Land $218,800 Building $760,100
2024	$4,408.00	$197,050 (-)	$788,200 (-) Land $175,000 Building $613,200
2023	$4,408.00	$197,050 (-)	$788,200 (-) Land $175,000 Building $613,200
2022	$4,408.00	$197,050	$788,200 Land $175,000 Building $613,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 N Crest Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 20 N Crest Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 50% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 156 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20