3725 Occonechee Trl, Chattanooga, TN 37415 Property Records

Hamilton County property record for 3725 Occonechee Trl, Chattanooga, TN 37415

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1950
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Jan 2022)
Tax Bill	$1,004 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`118B G 019`

Property Details

APN / Parcel Number

Primary APN	`118B G 019`
Alternative APN	`0000044068`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000044068
Street Address	3725 OCCONECHEE TRL
City	CHATTANOOGA
State	TN
Zip	37415-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 234 MANCHESTER PARK S/D PB 17 PG 23
Legal Subdivision	MANCHESTER PARK
Legal Lot Number	234
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	4
Census Block	4018
Census Tract	10501

Historic Designation

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.

Owner

3725 Occonechee Trl is owned and occupied by an individual who bought it in January 2022.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3725 OCCONECHEE TRL, CHATTANOOGA, TN 37415-4340
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

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Line of Credit TRUST FCU
Jan 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Dec 7, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Prior Sale	Mar 30, 2004 · Amount on File
Deed Document Number	2022136
Deed Book / Page	12825 / 752
Prior Transfer Date	Dec 17, 2003
Prior Transfer Doc	7071232
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3725 OCCONECHEE TRL, CHATTANOOGA, TN 37415-4340
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, FOUNDATION T&E CHATTANOOGA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000107
Date	Mar 16, 2021
Book Page	12400/498
Instrument	2021031600107

Lender

Name	TRUST FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jan 28, 2022
Property Address	3725 OCCONECHEE TRL, CHATTANOOGA, TN 37415-4340
Document Number	0000000136
Book / Page	12825 / 752
Map Reference	MB 17 PG 23
Instrument Date	Jan 26, 2022
Instrument	2022012800136
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$899.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3725 OCCONECHEE TRL, CHATTANOOGA, TN 37415-4340

Mortgage

Document Number	0012825755
Date	Jan 28, 2022
Instrument	12825/755

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	3725 OCCONECHEE TRL, CHATTANOOGA, TN 37415-4340
Document Number	1231000002
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3725 OCCONECHEE TRL CHATTANOOGA TN 374154340, CHATTANOOGA, TN 37415-4340

Mortgage

Document Number	1231000002
Date	Dec 31, 2020
Book Page	012296/000023
Instrument	201231000002

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 30, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 3725 Occonechee Trl was $1,004, down 1.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,004.00 (-1.57%)	$66,300 (+45.32%)	$265,200 (+45.32%) Land $80,000 Building $185,200
2024	$1,020.00	$45,625 (-)	$182,500 (-) Land $70,000 Building $112,500
2023	$1,020.00	$45,625 (-)	$182,500 (-) Land $70,000 Building $112,500
2022	$1,020.00	$45,625	$182,500 Land $70,000 Building $112,500

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 3725 Occonechee Trl 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 3725 Occonechee Trl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.03% 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	HIXSON UTILITY DISTRICT serves 68,306 people · EPA ID TN0000303
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) 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 337 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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