Hamilton County property record for 403 Guild Dr, Chattanooga, TN 37421
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,553 sqft · built 1945 |
| Lot Size | 0.424 acres (18,502 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,500 (Sep 2018) |
| Tax Bill | $1,359 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 158I E 007 |
| Primary APN | 158I E 007 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,553 sqft Living Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,502 sqft (0.424 acres) |
| Lot Dimensions | 217 ft deep x 92.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000100383 |
|---|---|
| Street Address | 403 GUILD DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37421-3922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 7 BLK 13 BRAINERD HILLS PB 14 PG 31 0069B 04 02 |
| Legal Subdivision | BRAINERD HILLS SUBDIVISION |
| Legal Block | 13 |
| Legal Lot Number | 7 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3400 |
Source: Hamilton County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 403 GUILD DR, CHATTANOOGA, TN 37421-3922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Line of Credit TRUST FCU |
| Apr 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI NEW AMERICAN FNDG |
| Sep 11, 2018 | Warranty Deed, Transfer · Conventional with PMI NEW AMERICAN FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on Record |
| Deed Sale | Sep 11, 2018 · Amount on Record |
| Deed Document Number | 201889 |
| Deed Book / Page | 11449 / 900 |
| Prior Transfer Date | Dec 31, 2004 |
| Prior Transfer Doc | 0000000180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 403 GUILD DR, CHATTANOOGA, TN 37421-3922 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000072 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 13090/559 |
| Instrument | 2022091600072 |
| Name | TRUST FCU |
|---|---|
| Type | Credit Union |
| Address | CHATTANOOGA, TN 37402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 236 Months |
| Due | May 18, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 403 GUILD DR, CHATTANOOGA, TN 37421-3922 |
| Document Number | 0413000324 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | FIRST CHOICE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 GUILD DR CHATTANOOGA TN 374213922, CHATTANOOGA, TN 37421-3922 |
| Document Number | 0413000324 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 011967/000548 |
| Instrument | 200413000324 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 11, 2018 |
| Property Address | 403 GUILD DR, CHATTANOOGA, TN 37421-3922 |
| Document Number | 0911000089 |
| Book / Page | 011449 / 000900 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 180911000089 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2018 |
| Title Company | FIRST CHOICE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $741.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 GUILD DR CHATTANOOGA TN 374213922, CHATTANOOGA, TN 37421-3922 |
| Document Number | 911000090 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 011449/000902 |
| Instrument | 180911000090 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2048 |
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 | $1,359.00 (+3.03%) | $89,675 (+52.06%) | $358,700 (+52.06%) Land $75,000 Building $283,700 |
| 2024 | $1,319.00 | $58,975 (-) | $235,900 (-) Land $40,000 Building $195,900 |
| 2023 | $1,319.00 | $58,975 (-) | $235,900 (-) Land $40,000 Building $195,900 |
| 2022 | $1,319.00 | $58,975 | $235,900 Land $40,000 Building $195,900 |
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.
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 | 9 in force |
| Nearby Flood Claims | 13 (1979–2009) |
| Claims Outside the SFHA | 4 of 13 |
| Most Recent Claim | Sep 2009 · 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 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 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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