Hamilton County property record for 39 Hemlock Cir, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,048 sqft · built 1957 |
| Lot Size | 0.596 acres (25,980 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $248,000 (Jun 2025) |
| Tax Bill | $786 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jun 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 154G B 018 |
| Primary APN | 154G B 018 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,048 sqft Living Area |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,980 sqft (0.596 acres) |
| Lot Dimensions | 200 ft deep x 129 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000087647 |
|---|---|
| Street Address | 39 HEMLOCK CIR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LTS 13&15 PT LT 17 BLK 19 TIFTONIA SEC NO 1 PB 11 PG 6&7 |
| Legal Subdivision | TIFTONIA SEC NO 1 |
| Legal Block | 19 |
| Legal Lot Number | 13,15 15 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 12100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 39 HEMLOCK CIR, CHATTANOOGA, TN 37419-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on Record |
| Deed Sale | Jun 23, 2025 · Amount on Record |
| Deed Document Number | 2025062300130 |
| Deed Book / Page | 13960 / 101 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 39 HEMLOCK CIR, CHATTANOOGA, TN 37419-2003 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000135 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 12318/59 |
| Instrument | 2021011900135 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 6, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 23, 2025 |
| Property Address | 39 HEMLOCK CIR, CHATTANOOGA, TN 37419-2003 |
| Document Number | 0000000130 |
| Book / Page | 13960 / 101 |
| Map Reference | MB 11 PG 6 |
| Instrument Date | Jun 20, 2025 |
| Instrument | 2025062300130 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $917.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 HEMLOCK CIR, CHATTANOOGA, TN 37419-2003 |
| Document Number | 0013960104 |
|---|---|
| Date | Jun 23, 2025 |
| Instrument | 13960/104 |
| Name | TENNESSEE VALLEY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.57% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.57% |
| Max Rate At Change | 7.57% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.5% |
Source: Hamilton County assessment roll, as of May 20, 2025
| 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 | $786.00 (+15.08%) | $51,875 (+69.8%) | $207,500 (+69.8%) Land $62,500 Building $145,000 |
| 2024 | $683.00 | $30,550 (-) | $122,200 (-) Land $31,300 Building $90,900 |
| 2023 | $683.00 | $30,550 (-) | $122,200 (-) Land $31,300 Building $90,900 |
| 2022 | $683.00 | $30,550 | $122,200 Land $31,300 Building $90,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 7 in force |
| Nearby Flood Claims | 14 (1984–2020) |
| Claims Outside the SFHA | 6 of 14 |
| Most Recent Claim | Oct 2020 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 52% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 130 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 |
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