Hamilton County property record for 2351 Gale Ln, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,798 sqft · built 1957 |
| Lot Size | 1.48 acres (64,703 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Dec 2021) |
| Tax Bill | $1,724 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 138K F 006 |
| Primary APN | 138K F 006 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,798 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 64,703 sqft (1.48 acres) |
| Lot Dimensions | 163 ft deep x 200 ft wide |
| Pool Area | 735 sqft |
| Deck Area | 461 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000066385 |
|---|---|
| Street Address | 2351 GALE LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-1685 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LTS 24&26 SHALLOWFORD HILLS PB 17 PG 58 |
| Legal Subdivision | SHALLOWFORD HILLS |
| Legal Lot Number | 24,26 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11449 |
2351 Gale Ln is owned and occupied by two individuals who acquired it in March 2024.
Source: Hamilton County records, as of March 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Mar 28, 2024 | Quit Claim Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Dec 14, 2021 | Warranty Deed, Transfer · Line of Credit SYMPLYBANK |
| Dec 14, 2021 | Intrafamily Transfer, Transfer ELITE TITLE COMPANY INC, ELITE TITLE CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2021 · Amount on File |
| Deed Sale | Dec 14, 2021 · Amount on File |
| Deed Document Number | 20211214314 |
| Deed Book / Page | 12772 / 189 |
| Last Transfer Date | Mar 28, 2024 |
| Transfer Doc | 0000000182 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0000000217 |
|---|---|
| Date | Apr 15, 2024 |
| Book Page | 13565/677 |
| Instrument | 2024041500217 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 28, 2024 |
| Property Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0000000182 |
| Book / Page | 13549 / 505 |
| Map Reference | MB 20 PG 6 |
| Instrument Date | Mar 28, 2024 |
| Instrument | 2024032800182 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2351 GATE LANE, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0013565677 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 13565/677 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 362 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 14, 2021 |
| Property Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0000000314 |
| Book / Page | 12772 / 189 |
| Map Reference | MB 20 PG 6 |
| Instrument Date | Dec 8, 2021 |
| Instrument | 2021121400314 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $943.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0012772192 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 12772/192 |
| Name | SYMPLYBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 14, 2021 |
| Property Address | 2351 GALE LN, CHATTANOOGA, TN 37421-1685 |
| Document Number | 0000000313 |
| Book / Page | 12772 / 186 |
| Map Reference | MB 20 PG 6 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2021121400313 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ELITE TITLE COMPANY INC, ELITE TITLE CO LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 1882 CLAIRMONT RD, DECATUR, GA 30033-3420 |
The 2025 property tax bill for 2351 Gale Ln was $1,724, down 3.6% 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 | $1,724.00 (-3.58%) | $113,775 (+42.31%) | $455,100 (+42.31%) Land $70,000 Building $385,100 |
| 2024 | $1,788.00 (+62.25%) | $79,950 (+62.25%) | $319,800 (+62.25%) Land $50,000 Building $269,800 |
| 2023 | $1,102.00 | $49,275 (-) | $197,100 (-) Land $50,000 Building $147,100 |
| 2022 | $1,102.00 | $49,275 | $197,100 Land $50,000 Building $147,100 |
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.
FEMA maps place 2351 Gale Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
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 File median of 33 policies |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 1 (2025) |
| Most Recent Claim | Aug 2025 · river or lake 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 2351 Gale Ln 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 94% of the US · lower than 94% 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.
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 265 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 Fixed Wireless | 100 / 20 |
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