Hamilton County property record for 3248 E 38th St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,611 sqft · built 2022 |
| Lot Size | 0.752 acres (32,760 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $14,500 (Jul 2019) |
| Tax Bill | $1,068 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Mar 2021 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 168G S 006 |
| Primary APN | 168G S 006 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,611 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 32,760 sqft (0.752 acres) |
| Lot Dimensions | 156 ft deep x 210 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000109911 |
|---|---|
| Street Address | 3248 E 38TH ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-5970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LT 1 BLK 21 LAZARDS ADDN PB 7 PG 30 REV 118-172 |
| Legal Subdivision | LAZARD ADDN |
| Legal Block | 21 |
| Legal Lot Number | 1 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 2400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hamilton County records, as of January 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 29, 2021 | Quit Claim Deed, Transfer · Construction Mortgage FIRST CITIZENS NATIONAL BANK |
| Jul 1, 2019 | Warranty Deed, Transfer CHATTANOOGA TITLE-DOWNTOWN LLC |
| Apr 5, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on Record |
| Deed Sale | Jul 1, 2019 · Amount on Record |
| Prior Sale | Apr 5, 2019 · Amount on Record |
| Deed Document Number | 201960 |
| Deed Book / Page | 11685 / 93 |
| Prior Transfer Date | Oct 24, 1997 |
| Prior Transfer Doc | 0000000036 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 21, 2023 |
| Property Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000170 |
| Book / Page | 13217 / 51 |
| Map Reference | MB 118 PG 172 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 2023022100170 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | BRIDGE CITY TITLE DOWNTOWN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,135.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0132170055 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 13217-0055 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 29, 2021 |
| Property Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000179 |
| Book / Page | 12419 / 628 |
| Map Reference | MB 118 PG 172 |
| Instrument Date | Mar 19, 2021 |
| Instrument | 2021032900179 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | KEY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2024 AVALON AVE, CHATTANOOGA, TN 37415-6310 |
| Document Number | 0012419630 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 12419/630 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 19, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 1, 2019 |
| Property Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0701000060 |
| Book / Page | 011685 / 000093 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 190701000060 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2019 |
| Title Company | CHATTANOOGA TITLE-DOWNTOWN LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $53.65 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3300 E 38TH ST CHATTANOOGA TN 374045907, CHATTANOOGA, TN 37404-5907 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 5, 2019 |
| Property Address | 3248 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0405000199 |
| Book / Page | 011607 / 000010 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 190405000199 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $55.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 676 HIXSON TN 373430676, HIXSON, TN 37343-0676 |
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 | $1,068.00 (-5.9%) | $70,475 (+38.87%) | $281,900 (+38.87%) Land $30,000 Building $251,900 |
| 2024 | $1,135.00 | $50,750 (-) | $203,000 (-) Land $10,000 Building $193,000 |
| 2023 | $1,135.00 (+45.7%) | $50,750 (+45.73%) | $203,000 (+45.73%) Land $10,000 Building $193,000 |
| 2022 | $779.00 | $34,825 | $139,300 Land $10,000 Building $129,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.05% 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 256 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 |
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