Hamilton County property record for 2524 Cross Winds Ln, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,322 sqft · built 1979 |
| Lot Size | 0.421 acres (18,359 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,500 (Mar 1998) |
| Tax Bill | $1,359 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 149L C 009 |
| Primary APN | 149L C 009 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,322 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,359 sqft (0.421 acres) |
| Lot Dimensions | 162 ft deep x 120 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000084328 |
|---|---|
| Street Address | 2524 CROSS WINDS LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 79 VALLEY VIEW SUB 6 32-18 |
| Legal Subdivision | VALLEY VIEW UNIT 6 |
| Legal Lot Number | 79 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11323 |
2524 Cross Winds Ln is owned and occupied by two individuals who bought it in March 1998.
Source: Hamilton County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2524 CROSS WINDS LN, CHATTANOOGA, TN 37421-1501 |
| 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 |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FEDERAL CREDIT UNION |
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 1998 · Amount on File |
| Deed Sale | Mar 31, 1998 · Amount on File |
| Deed Document Number | 1998327 |
| Deed Book / Page | 5061 / 802 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 27, 2026 |
| Property Address | 2524 CROSS WINDS LN, CHATTANOOGA, TN 37421-1501 |
| Document Number | 0000000185 |
| Book / Page | 14311 / 240 |
| Instrument Date | May 20, 2026 |
| Instrument | 2026185 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PRESTIGE TITLE AND ESCROW, PRESTIGE TITLE AND ESCROW LL |
| Name | Verified Name |
|---|---|
| Address | 2524 CROSS WINDS LN, CHATTANOOGA, TN 37421-1501 |
| Document Number | 0000000185, |
|---|---|
| Date | May 27, 2026 |
| Book Page | 14311/240 |
| Instrument | 2026185 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2524 CROSS WINDS LN, CHATTANOOGA, TN 37421-1501 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2524 CROSS WINDS, SAVANNAH, GA 31421 |
| Document Number | 0000000061 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 13354/916 |
| Instrument | 2023072600061 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37421 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jul 29, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2524 Cross Winds Ln was $1,359, up 68.6% from the year before.
Source: Hamilton County assessment roll, as of January 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,359.00 (+68.61%) | $89,675 (+148.75%) | $358,700 (+148.75%) Land $75,000 Building $283,700 |
| 2024 | $806.00 (+14.65%) | $36,050 (+16.1%) | $144,200 (+16.1%) Land $60,000 Building $84,200 |
| 2023 | $703.00 | $31,050 | $124,200 Land $60,000 Building $64,200 |
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 2524 Cross Winds Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 3 (2012–2025) |
| Claims Outside the SFHA | 2 of 3 |
| 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 risk around 2524 Cross Winds 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 64% of the US · above 52% 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 | EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 139 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 DSL | 100 / 20 |
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