Hamilton County property record for 3904 Kemp Cir, Chattanooga, TN 37411
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,235 sqft · built 2024 |
| Lot Size | 0.57 acres (24,864 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Jun 2024) |
| Tax Bill | $1,619 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jun 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 147O J 021 |
| Primary APN | 147O J 021 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,235 sqft |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 24,864 sqft (0.57 acres) |
| Lot Dimensions | 140 ft deep x 177 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0000080939 |
|---|---|
| Street Address | 3904 KEMP CIR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37411-2913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 6 UNIT 2 SUNNYSIDE TERR PB 21 PG 90 |
| Legal Subdivision | SUNNYSIDE TERR UNIT |
| Legal Lot Number | 6 |
| Legal Unit | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 5 |
| Census Block | 5019 |
| Census Tract | 3300 |
3904 Kemp Cir 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 | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| 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.
| Date | Document |
|---|---|
| Jan 5, 2024 | Deed of Trust, Mortgage · Commercial Mortgage LOAN FUNDER LLC |
| Jun 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage FIRSTTRUST HOME LOANS INC |
| Mar 24, 2022 | Warranty Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC |
| Sep 14, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Apr 23, 2018 | Warranty Deed, Transfer FIRST TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2024 · Amount on File |
| Deed Sale | Jun 12, 2024 · Amount on File |
| Prior Sale | Mar 24, 2022 · Amount on File |
| Deed Document Number | 2024061200088 |
| Deed Book / Page | 13619 / 193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000095 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 13485/530 |
| Instrument | 2024010500095 |
| Name | LOAN FUNDER LLC |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10022 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jun 12, 2024 |
| Property Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Document Number | 0000000088 |
| Book / Page | 13619 / 193 |
| Map Reference | MB 21 PG 90 |
| Instrument Date | Jun 7, 2024 |
| Instrument | 2024061200088 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,554.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Document Number | 0000000089 |
|---|---|
| Date | Jun 12, 2024 |
| Instrument | 2024061200089 |
| Name | FIRSTTRUST HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Mar 24, 2022 |
| Property Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Document Number | 0000000124 |
| Book / Page | 12893 / 783 |
| Map Reference | MB 21 PG 90 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022032400124 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $203.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 602 MOOREMONT TER, CHATTANOOGA, TN 37411-2924 |
| Investor | Possibly a Property Investor |
| Document Number | 0012893786 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 12893/786 |
| Name | LOAN FUNDER LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 14, 2018 |
| Property Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Document Number | 0914000171 |
| Book / Page | 011453 / 000324 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 180914000171 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1425 FIELDGREEN OVERLOOK STONE MOUNTAIN GA 300883137, STONE MOUNTAIN, GA 30088-3137 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Apr 23, 2018 |
| Property Address | 3904 KEMP CIR, CHATTANOOGA, TN 37411-2913 |
| Document Number | 0000000214 |
| Book / Page | 011326 / 000432 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 214 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2018 |
| Title Company | FIRST TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $610.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3902 KEMP CIR CHATTANOOGA TN 374112913, CHATTANOOGA, TN 37411-2913 |
The 2025 property tax bill for 3904 Kemp Cir was $1,619, up 76.7% from the year before.
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 | $1,619.00 (+76.75%) | $106,850 (+160.77%) | $427,400 (+160.77%) Land $45,000 Building $382,400 |
| 2024 | $916.00 (+558.99%) | $40,975 (+555.6%) | $163,900 (+555.6%) Land $25,000 Building $138,900 |
| 2023 | $139.00 | $6,250 (-) | $25,000 (-) Land $25,000 |
| 2022 | $139.00 | $6,250 | $25,000 Land $25,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3904 Kemp Cir 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 risk around 3904 Kemp Cir is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 381 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 |
| AT&T DSL | 100 / 20 |
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