3104 Carousel Rd, Chattanooga, TN 37411 Property Records

Hamilton County property record for 3104 Carousel Rd, Chattanooga, TN 37411

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,320 sqft · built 1958
Lot Size	0.268 acres (11,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,000 (Nov 2023)
Tax Bill	$910 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`137P E 015`

Property Details

APN / Parcel Number

Primary APN	`137P E 015`
Alternative APN	`0000065866`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,706 sqft (0.268 acres)
Lot Dimensions	168 ft deep x 36.1 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000065866
Street Address	3104 CAROUSEL RD
City	CHATTANOOGA
State	TN
Zip	37411-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 65 FIRST UNIT RIDGEWOOD ACRES PB18 PG59
Legal Subdivision	RIDGEWOOD ACRES FIRS
Legal Lot Number	65
Jurisdiction	HAMILTON TN
Township / Civil Division	4
Census Block Group	1
Census Block	1005
Census Tract	3200

Owner

Source: Hamilton County records, as of March 25, 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	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Aug 24, 2023	Warranty Deed, Transfer TITLE SERVICES/TN, TITLE SERVICES OF TENNESE
Aug 24, 2023	Affidavit, Transfer TITLE SERVICES
Sep 10, 2018	Warranty Deed, Transfer · Conventional Mortgage HOUSING & CMNTY DEV DEPT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Aug 24, 2023 · Amount on Record
Deed Document Number	2023188
Deed Book / Page	13444 / 474
Prior Transfer Date	Jul 16, 2003
Prior Transfer Doc	6767164
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Nov 8, 2023
Property Address	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015
Document Number	0000000188
Book / Page	13444 / 474
Map Reference	MB 18 PG 59
Instrument Date	Nov 7, 2023
Instrument	2023110800188
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TITLE DOWNTOWN L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015

Mortgage

Document Number	0000000189
Date	Nov 8, 2023
Instrument	2023110800189

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.81%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.81%
Max Rate At Change	8.81%
Index	SOFR Average 30-Day
Max Rate	11.8%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 24, 2023
Property Address	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015
Document Number	0000000095
Book / Page	13381 / 289
Map Reference	MB 18 PG 59
Instrument Date	Jul 20, 2023
Instrument	2023082400095
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE SERVICES/TN, TITLE SERVICES OF TENNESE

Transaction

Amount	Amount Recorded
Tax	$425.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 DAYTON BLVD, CHATTANOOGA, TN 37415-6414
Investor	Possibly a Property Investor

August 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	HAMILTON TN
Recording Date	Aug 24, 2023
Property Address	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015
Document Number	0000000094
Book / Page	13381 / 286
Map Reference	MB 18 PG 59
Instrument Date	Jul 20, 2023
Instrument	2023082400094
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1060 COUNTY ROAD 36, HOLLYWOOD, AL 35752-5910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 11TH STREET, SCOTTSBORO, AL 35768

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 10, 2018
Property Address	3104 CAROUSEL RD, CHATTANOOGA, TN 37411-1015
Document Number	0910000211
Book / Page	011449 / 000363
Instrument Date	Sep 7, 2018
Instrument	180910000211
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	ENSIGN TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 CAROUSEL RD CHATTANOOGA TN 374111015, CHATTANOOGA, TN 37411-1015

Mortgage

Document Number	910000213
Date	Sep 10, 2018
Book Page	011449/000379
Instrument	180910000213

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	NASHVILLE, TN 37243-0200

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	910000212,
Date	Sep 10, 2018
Book Page	011449/000365
Instrument	180910000212

Lender

Name	HIGHLANDS RESID'L MTG
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

Tax Assessment & Valuation

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	$910.00 (+128.64%)	$60,050 (+236.89%)	$240,200 (+236.89%) Land $28,800 Building $211,400
2024	$398.00	$17,825 (-)	$71,300 (-) Land $17,300 Building $54,000
2023	$398.00	$17,825 (-)	$71,300 (-) Land $17,300 Building $54,000
2022	$398.00	$17,825	$71,300 Land $17,300 Building $54,000

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	0.01% 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 291 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

May also be available: AT&T.

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