Hamilton County property record for 3655 Phelps St, Chattanooga, TN 37412
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,462 sqft · built 1957 |
| Lot Size | 0.264 acres (11,505 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $124,500 (Sep 2017) |
| Tax Bill | $884 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 168E C 007 |
| Primary APN | 168E C 007 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,462 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,505 sqft (0.264 acres) |
| Lot Dimensions | 126 ft deep x 91.1 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000109054 |
|---|---|
| Street Address | 3655 PHELPS ST |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37412-1542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR |
| Legal Description | LT 9 BLK F FREDERICK HOMES SECOND UNIT PB19 PG50 |
| Legal Subdivision | FREDERICK HOMES SECO |
| Legal Block | F |
| Legal Lot Number | 9 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11800 |
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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3655 PHELPS ST, CHATTANOOGA, TN 37412-1542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 21, 2017 | Warranty Deed, Transfer · FHA Mortgage GUARANTY TR |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on Record |
| Deed Sale | Sep 21, 2017 · Amount on Record |
| Prior Sale | Aug 6, 2008 · Amount on Record |
| Deed Document Number | 2017092100075 |
| Deed Book / Page | 11159 / 214 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3655 PHELPS ST, CHATTANOOGA, TN 37412-1542 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3655 PHELPS ST, CHATTANOOGA, TN 37412-1542 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000025 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 12812/190 |
| Instrument | 2022011800025 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Oct 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 21, 2017 |
| Property Address | 3655 PHELPS ST, CHATTANOOGA, TN 37412-1542 |
| Document Number | 0000000075 |
| Book / Page | 011159 / 000214 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 75 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3655 PHELPS ST CHATTANOOGA TN 374121542, CHATTANOOGA, TN 37412-1542 |
| Document Number | 76 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 011159/000216 |
| Instrument | 76 |
| Name | GUARANTY TR |
|---|---|
| Address | MURFREESBORO, TN 37129 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Document Number | 77, |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 011159/000229 |
| Instrument | 77 |
| Name | CHATTANOOGA NBRHD ENT |
|---|---|
| Address | CHATTANOOGA, TN 37408 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 20, 2047 |
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | East Ridge City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $884.00 (+11.06%) | $58,325 (+63.83%) | $233,300 (+63.83%) Land $50,000 Building $183,300 |
| 2024 | $796.00 (-36.32%) | $35,600 (-) | $142,400 (-) Land $40,000 Building $102,400 |
| 2023 | $1,250.00 | $35,600 (-) | $142,400 (-) Land $40,000 Building $102,400 |
| 2022 | $1,250.00 | $35,600 | $142,400 Land $40,000 Building $102,400 |
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.
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 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | 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 336 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 |
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