4095 Elder Gap Pl, Chattanooga, TN 37419 Property Records

Hamilton County property record for 4095 Elder Gap Pl, Chattanooga, TN 37419

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,216 sqft · built 1990
Lot Size	0.922 acres (40,181 sqft)
Owner	2 Individual Names on File
Last Sale	$45,500 (Aug 2023)
Tax Bill	$1,454 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`144C F 011`

Property Details

APN / Parcel Number

Primary APN	`144C F 011`
Alternative APN	`0000127279`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,216 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	40,181 sqft (0.922 acres)
Lot Dimensions	212 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000127279
Street Address	4095 ELDER GAP PL
City	CHATTANOOGA
State	TN
Zip	37419-1064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13 EAST ELDER ESTATES UNIT TWO PB 43 PG 133 OUT OF 144C-F-8 FOR 1989
Legal Subdivision	EAST ELDER ESTATES
Legal Lot Number	13
Legal Unit	2
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

4095 Elder Gap Pl is owned and occupied by two individuals who bought it in August 2023.

Source: Hamilton County records, as of March 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4095 ELDER GAP PL, CHATTANOOGA, TN 37419-1064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on File
Deed Sale	Aug 4, 2023 · Amount on File
Prior Sale	Jul 11, 2001 · Amount on File
Deed Document Number	2023128
Deed Book / Page	13364 / 789
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 4, 2023
Property Address	4095 ELDER GAP PL, CHATTANOOGA, TN 37419-1064
Document Number	0000000128
Book / Page	13364 / 789
Map Reference	MB 43 PG 133-1&133-2
Instrument Date	Aug 4, 2023
Instrument	2023080400128
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,683.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4095 ELDER GAP PL, CHATTANOOGA, TN 37419-1064

Mortgage

Document Number	0000000129
Date	Aug 4, 2023
Instrument	2023080400129

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4095 Elder Gap Pl was $1,454, up 10.7% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

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	$1,454.00 (+10.74%)	$95,950 (+63.39%)	$383,800 (+63.39%) Land $40,000 Building $343,800
2024	$1,313.00	$58,725 (-)	$234,900 (-) Land $29,000 Building $205,900
2023	$1,313.00	$58,725 (-)	$234,900 (-) Land $29,000 Building $205,900
2022	$1,313.00	$58,725	$234,900 Land $29,000 Building $205,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4095 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 4095 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