3840 Elder Gap Pl, Chattanooga, TN 37419 Property Records

Hamilton County property record for 3840 Elder Gap Pl, Chattanooga, TN 37419

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,856 sqft · built 2003
Lot Size	2.83 acres (123,710 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (Jun 2024)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`144C F 002`

Property Details

APN / Parcel Number

Primary APN	`144C F 002`
Alternative APN	`0000125487`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,856 sqft Living Area

Exterior

Year Built	Built 2003
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	123,710 sqft (2.83 acres)
Lot Dimensions	567 ft deep x 218 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000125487
Street Address	3840 ELDER GAP PL
City	CHATTANOOGA
State	TN
Zip	37419-1067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 EAST ELDER ESTATES PB43 PG68 REV 43-133 OUT OF 144-7 FOR 1988
Legal Subdivision	EAST ELDER ESTATES
Legal Lot Number	5
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1015
Census Tract	12100

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

3840 Elder Gap Pl is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3840 ELDER GAP PL, CHATTANOOGA, TN 37419-1067
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	Name on Deed
Last Sale	Jun 21, 2024 · Amount on File
Deed Sale	Jun 21, 2024 · Amount on File
Prior Sale	Jun 17, 2003 · Amount on File
Deed Document Number	2024062100166
Deed Book / Page	13628 / 83
Record Updated	Jun 8, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jun 21, 2024
Property Address	3840 ELDER GAP PL, CHATTANOOGA, TN 37419-1067
Document Number	0000000166
Book / Page	13628 / 83
Map Reference	MB 43 PG 133
Instrument Date	Jun 18, 2024
Instrument	2024062100166
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	SCENIC CITY TITLE, SCENIC CITY T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 ELDER GAP PL, CHATTANOOGA, TN 37419-1067

Mortgage

Document Number	0000000167
Date	Jun 21, 2024
Instrument	2024062100167

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 3840 Elder Gap Pl was $1,347, up 3.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,347.00 (+3.7%)	$88,875 (+53.03%)	$355,500 (+53.03%) Land $50,000 Building $305,500
2024	$1,299.00	$58,075 (-)	$232,300 (-) Land $42,600 Building $189,700
2023	$1,299.00	$58,075 (-)	$232,300 (-) Land $42,600 Building $189,700
2022	$1,299.00	$58,075	$232,300 Land $42,600 Building $189,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3840 Elder Gap Pl in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1982.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	21 (1982–2020)
Claims Outside the SFHA	7 of 21
Most Recent Claim	Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 9 claims

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 3840 Elder Gap Pl is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% 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	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 32 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
AT&T DSL	100 / 20