Hamilton County property record for 3961 Elder Gap Pl, Chattanooga, TN 37419
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,540 sqft · built 2003 |
| Lot Size | 1.01 acres (44,389 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,184 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 144C F 016 |
| Primary APN | 144C F 016 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 44,389 sqft (1.01 acres) |
| Lot Dimensions | 60 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000127287 |
|---|---|
| Street Address | 3961 ELDER GAP PL |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37419-1066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 8 EAST ELDER ESTATES UNIT TWO PB 43 PG 133 OUT OF 144C-F-8 FOR 1989 |
| Legal Subdivision | EAST ELDER ESTATES |
| Legal Lot Number | 8 |
| Legal Unit | 2 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 May 21, 2026
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 | 3961 ELDER GAP PL, CHATTANOOGA, TN 37419-1066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE INVTRS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2003 |
| Deed Sale | Aug 28, 2003 |
| Deed Document Number | 2003217 |
| Deed Book / Page | 6831 / 273 |
| Prior Transfer Date | Jul 16, 2003 |
| Prior Transfer Doc | 6765997 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3961 ELDER GAP PL, CHATTANOOGA, TN 37419-1066 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3961 ELDER GAP PL, CHATTANOOGA, TN 37419-1066 |
| Document Number | 0000000017 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 14105/173 |
| Instrument | 2025111300017 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 3961 ELDER GAP PL, CHATTANOOGA, TN 37419-1066 |
| Document Number | 1118000163 |
| Instrument Date | Nov 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | TITLE GUARANTY, TITLE GUARANTY & TRUST CO INC |
| Name | Verified Name |
|---|---|
| Address | 3961 ELDER GAP PL CHATTANOOGA TN 374191066, CHATTANOOGA, TN 37419-1066 |
| Document Number | 1118000163 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 012238/000072 |
| Instrument | 201118000163 |
| Name | MORTGAGE INVTRS |
|---|---|
| Type | Mortgage Company |
| Address | KNOXVILLE, TN 37923 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 17, 2035 |
Source: Hamilton County assessment roll, as of January 2, 2026
| 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 | $1,184.00 (+2.25%) | $78,175 (+50.92%) | $312,700 (+50.92%) Land $40,000 Building $272,700 |
| 2024 | $1,158.00 | $51,800 (-) | $207,200 (-) Land $29,000 Building $178,200 |
| 2023 | $1,158.00 | $51,800 (-) | $207,200 (-) Land $29,000 Building $178,200 |
| 2022 | $1,158.00 | $51,800 | $207,200 Land $29,000 Building $178,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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 | Moderate above 61% of the US · above 83% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.2% 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 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 |
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