Hamilton County property record for 2816 Hidden Trail Ln, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,976 sqft · built 1986 |
| Lot Size | 0.466 acres (20,318 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $324,900 (Jan 2023) |
| Tax Bill | $1,367 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150H K 030 |
| Primary APN | 150H K 030 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,318 sqft (0.466 acres) |
| Lot Dimensions | 203 ft deep x 100 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000085674 |
|---|---|
| Street Address | 2816 HIDDEN TRAIL LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-5040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 HIDDEN TRAIL SUB REV PB 41 PG 58 |
| Legal Subdivision | HIDDEN TRAIL |
| Legal Lot Number | 15 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11314 |
Source: Hamilton County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jan 30, 2023 | Warranty Deed, Transfer · FHA Mortgage NFM INC |
| Mar 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU |
| Feb 8, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2023 · Amount on Record |
| Deed Sale | Jan 30, 2023 · Amount on Record |
| Prior Sale | Feb 8, 2022 |
| Deed Document Number | 2023156 |
| Deed Book / Page | 13199 / 481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | May 18, 2026 |
| Property Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Document Number | 0000000021 |
| Book / Page | 14300 / 842 |
| Instrument Date | May 11, 2026 |
| Instrument | 202621 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Document Number | 0000000021, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 14300/842 |
| Instrument | 202621 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 323 Months |
| Due | Apr 1, 2053 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 30, 2023 |
| Property Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Document Number | 0000000156 |
| Book / Page | 13199 / 481 |
| Map Reference | MB 41 PG 58 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023013000156 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | FOOTHILLS TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,202.13 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Document Number | 0131990484 |
|---|---|
| Date | Jan 30, 2023 |
| Instrument | 13199-0484 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000281 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 11291/165 |
| Instrument | 2018031200281 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 8, 2022 |
| Property Address | 2816 HIDDEN TRAIL LN, CHATTANOOGA, TN 37421-5040 |
| Document Number | 0000000222 |
| Book / Page | 12838 / 910 |
| Map Reference | MB 41 PG 58 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 2022020800222 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9435 E BRAINERD RD, CHATTANOOGA, TN 37421-3449 |
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 | $1,367.00 (+14.3%) | $90,200 (+68.6%) | $360,800 (+68.6%) Land $70,000 Building $290,800 |
| 2024 | $1,196.00 (-0.75%) | $53,500 (-) | $214,000 (-) Land $50,000 Building $164,000 |
| 2023 | $1,205.00 | $53,500 | $214,000 Land $50,000 Building $164,000 |
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.
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 | 2 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 300 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 |
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