Hamilton County property record for 3266 E 38th St, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,611 sqft · built 2022 |
| Owner | Individual Name on Record |
| Last Sale | $342,000 (Jul 2024) |
| Tax Bill | $1,098 (2025) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 168G S 006.01 |
| Primary APN | 168G S 006.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,611 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000389900 |
|---|---|
| Street Address | 3266 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 2 BLK 21 LAZARDS ADDITION PB 118 PG 172 OUT OF 168G S 006 FOR 2021 |
| Legal Subdivision | LAZARD ADDN |
| Legal Block | 21 |
| Legal Lot Number | 2 |
| 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 December 31, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2024 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Apr 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Mar 29, 2021 | Intrafamily Transfer, Transfer · Construction Mortgage FIRST CITIZENS NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on Record |
| Deed Sale | Jul 3, 2024 · Amount on Record |
| Prior Sale | Apr 22, 2022 · Amount on Record |
| Deed Document Number | 2024070300111 |
| Deed Book / Page | 13640 / 442 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 3, 2024 |
| Property Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000111 |
| Book / Page | 13640 / 442 |
| Map Reference | MB 118 PG 172 |
| Instrument Date | Jun 28, 2024 |
| Instrument | 2024070300111 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,265.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000112 |
|---|---|
| Date | Jul 3, 2024 |
| Instrument | 2024070300112 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 22, 2022 |
| Property Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000223 |
| Book / Page | 12931 / 537 |
| Map Reference | PB 118 PG 172 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022042200223 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,106.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0129310539 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 12931-0539 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 29, 2021 |
| Property Address | 3266 E 38TH ST, CHATTANOOGA, TN 37404-5970 |
| Document Number | 0000000195 |
| Book / Page | 12419 / 780 |
| Map Reference | MB 118 PG 172 |
| Instrument Date | Mar 16, 2021 |
| Instrument | 2021032900195 |
| 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 | 4523 SPRING LAKE RD, CHATTANOOGA, TN 37415-2000 |
| Document Number | 0012419782 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 12419/782 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $1,098.00 (-3.26%) | $72,500 (+42.86%) | $290,000 (+42.86%) Land $30,000 Building $260,000 |
| 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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