3446 Cloudcrest Trl, Signal Mountain, TN 37377 Property Records

Hamilton County property record for 3446 Cloudcrest Trl, Signal Mountain, TN 37377

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,909 sqft · built 2012
Lot Size	0.643 acres (28,012 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Jul 2020)
Tax Bill	$3,698 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`089O H 021`

Property Details

APN / Parcel Number

Primary APN	`089O H 021`
Alternative APN	`0000158606`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,909 sqft Living Area

Exterior

Year Built	Built 2012
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	28,012 sqft (0.643 acres)
Lot Dimensions	188 ft deep x 149 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000158606
Street Address	3446 CLOUDCREST TRL
City	SIGNAL MOUNTAIN
State	TN
Zip	37377-1486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 194 FOX RUN UNIT 8 BLUFF CREEK PB84 PG122 REV 94-137 REV 99-37 OUT OF 98-2 FOR 2007
Legal Subdivision	FOX RUN #8 BLUFF CRE
Legal Block	84
Legal Lot Number	194
Legal Unit	8
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	2
Census Block	2017
Census Tract	11004

Owner

3446 Cloudcrest Trl is owned and occupied by two individuals who bought it in July 2020.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3446 CLOUDCREST TRL, SIGNAL MOUNTAIN, TN 37377-1486
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on File
Deed Sale	Jul 22, 2020 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	2020072200152
Deed Book / Page	12083 / 417
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 22, 2020
Property Address	3446 CLOUDCREST TRL, SIGNAL MOUNTAIN, TN 37377-1486
Document Number	0722000152
Book / Page	012083 / 000417
Instrument Date	Jul 21, 2020
Instrument	200722000152
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,776.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3446 CLOUDCREST TRL SIGNAL MOUNTAIN TN 373771486, SIGNAL MOUNTAIN, TN 37377-1486

Mortgage

Document Number	722000153
Date	Jul 22, 2020
Book Page	012083/000419
Instrument	200722000153

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3446 Cloudcrest Trl was $3,698, up 33.7% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Signal Mountain Town
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,698.00 (+33.69%)	$244,025 (+97.31%)	$976,100 (+97.31%) Land $180,000 Building $796,100
2024	$2,766.00	$123,675 (-)	$494,700 (-) Land $60,000 Building $434,700
2023	$2,766.00	$123,675	$494,700 Land $60,000 Building $434,700

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.

Flood

FEMA maps place 3446 Cloudcrest Trl in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 3446 Cloudcrest Trl is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 77% of Tennessee
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WALDEN'S RIDGE U.D. serves 9,265 people · EPA ID TN0000635
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
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 99 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