3712 Oweda Ter, Chattanooga, TN 37415 Property Records

Hamilton County property record for 3712 Oweda Ter, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,933 sqft · built 1964
Lot Size	0.354 acres (15,450 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Sep 2020)
Tax Bill	$1,765 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109P C 002`

Property Details

APN / Parcel Number

Primary APN	`109P C 002`
Alternative APN	`0000036927`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,933 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,450 sqft (0.354 acres)
Lot Dimensions	150 ft deep x 103 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000036927
Street Address	3712 OWEDA TER
City	CHATTANOOGA
State	TN
Zip	37415-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1880B 08B 01 PT LT 44 H F & A J ROGERS TRACT N/R
Legal Subdivision	ROGERS H P & A J TRA
Legal Lot Number	44
Jurisdiction	HAMILTON TN
Township / Civil Division	2
Census Block Group	4
Census Block	4001
Census Tract	10800

Owner

3712 Oweda Ter is owned and occupied by two individuals who bought it in September 2020.

Source: Hamilton County records, as of January 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3712 OWEDA TER, CHATTANOOGA, TN 37415-4021
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	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	May 16, 2013 · Amount on File
Deed Document Number	2020209
Deed Book / Page	12158 / 767
Prior Transfer Date	Nov 12, 1996
Prior Transfer Doc	0047750771
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 21, 2020
Property Address	3712 OWEDA TER, CHATTANOOGA, TN 37415-4021
Document Number	0921000209
Book / Page	012158 / 000767
Instrument Date	Sep 8, 2020
Instrument	200921000209
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	FOOTHILLS TITLE SERVICES INC, FOOTHILLS TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
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	3712 OWEDA TER CHATTANOOGA TN 374154021, CHATTANOOGA, TN 37415-4021

Mortgage

Document Number	921000224
Date	Sep 21, 2020
Book Page	012158/000853
Instrument	200921000224

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3712 Oweda Ter was $1,765, up 54.1% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Municipality	Red Bank City
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,765.00 (+54.15%)	$116,475 (+127.49%)	$465,900 (+127.49%) Land $70,000 Building $395,900
2024	$1,145.00 (-44.69%)	$51,200 (-)	$204,800 (-) Land $40,000 Building $164,800
2023	$2,070.00 (+18.42%)	$51,200 (-)	$204,800 (-) Land $40,000 Building $164,800
2022	$1,748.00	$51,200	$204,800 Land $40,000 Building $164,800

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 3712 Oweda Ter in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 3712 Oweda Ter is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 60% of Tennessee
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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	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

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 226 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