Hamilton County property record for 360 Derby Cir, Chattanooga, TN 37404
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,122 sqft · built 1928 |
| Lot Size | 0.478 acres (20,860 sqft) |
| Owner | Individual Name on File |
| Last Sale | $406,000 (Jun 2026) |
| Tax Bill | $1,447 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 146F X 015 |
| Primary APN | 146F X 015 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,122 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,860 sqft (0.478 acres) |
| Lot Dimensions | 184 ft deep x 112 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000073969 |
|---|---|
| Street Address | 360 DERBY CIR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37404-2706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 10 BLK 11 GLENWOOD NO 2 AMENDED PB 11 PG 40 REV 97-77 |
| Legal Subdivision | GLENWOOD NO 2 AMENDE |
| Legal Block | 11 |
| Legal Lot Number | 10 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 1200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Glenwood Historic District listed 1989 · 165 contributing resources · NRIS 89000861 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
360 Derby Cir is owned and occupied by an individual who bought it in June 2026.
Source: Hamilton County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 360 DERBY CIR, CHATTANOOGA, TN 37404-2706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Mar 21, 2018 | Deed of Trust, Mortgage · Line of Credit SMARTBANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on File |
| Deed Sale | Jun 26, 2026 · Amount on File |
| Prior Sale | Feb 21, 2012 · Amount on File |
| Deed Document Number | 2026144 |
| Deed Book / Page | 14348 / 369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 26, 2026 |
| Property Address | 360 DERBY CIR, CHATTANOOGA, TN 37404-2706 |
| Document Number | 0000000144 |
| Book / Page | 14348 / 369 |
| Instrument Date | May 21, 2026 |
| Instrument | 2026144 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | TITLE AND ESCROW COMPANY, WHITEFOX TITLE & ESCROW CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $151,722.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 360 DERBY CIR, CHATTANOOGA, TN 37404-2706 |
| Document Number | 0000000145, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 202626145 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 360 DERBY CIR, CHATTANOOGA, TN 37404-2706 |
| Document Number | 0000000125 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 360 DERBY CIR CHATTANOOGA TN 374042706, CHATTANOOGA, TN 37404-2706 |
| Document Number | 0000000125 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 011307/000203 |
| Instrument | 125 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37421 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 360 Derby Cir was $1,447, down 7.2% from the year before.
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 | $1,447.00 (-7.18%) | $95,475 (+36.93%) | $381,900 (+36.93%) Land $26,000 Building $355,900 |
| 2024 | $1,559.00 | $69,725 (-) | $278,900 (-) Land $16,300 Building $262,600 |
| 2023 | $1,559.00 | $69,725 (-) | $278,900 (-) Land $16,300 Building $262,600 |
| 2022 | $1,559.00 | $69,725 | $278,900 Land $16,300 Building $262,600 |
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.
FEMA maps place 360 Derby Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 | 1 in force |
| Nearby Flood Claims | 2 (2015) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2015 · 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.
Wildfire risk around 360 Derby Cir is low, with less than a 0.01% annual chance of 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 | Under 0.01% 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 360 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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