Hamilton County property record for 4134 Willard Dr, Chattanooga, TN 37416
| Property Type | Duplex |
|---|---|
| Details | 4 ba · 2,108 sqft · built 1972 |
| Lot Size | 0.256 acres (11,172 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Jan 2022) |
| Tax Bill | $1,629 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 128L E 023.01 |
| Primary APN | 128L E 023.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,172 sqft (0.256 acres) |
| Lot Dimensions | 140 ft deep x 79.8 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000165790 |
|---|---|
| Street Address | 4134 WILLARD DR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-3328 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LT 14 BLK B FRED STERCHI SR SUB PB 86 PG 13 OUT OF 128L-E-23 FOR 2011 |
| Legal Subdivision | STERCHI FRED SR NO 1 |
| Legal Block | B |
| Legal Lot Number | 14 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11444 |
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 | 8473 GRAY CT, ARVADA, CO 80003-1335 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK |
| Feb 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NAT'L BK |
| Jul 17, 2018 | Warranty Deed, Transfer FOUNDATION TITLE |
| Jan 4, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage TRAVIS JONES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2022 · Amount on Record |
| Deed Sale | Jan 3, 2022 · Amount on Record |
| Prior Sale | Jul 17, 2018 · Amount on Record |
| Deed Document Number | 2022010300258 |
| Deed Book / Page | 12795 / 17 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 3, 2022 |
| Property Address | 4134 WILLARD DR, CHATTANOOGA, TN 37416-3328 |
| Document Number | 0000000258 |
| Book / Page | 12795 / 17 |
| Map Reference | MB 86 PG 13 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022010300258 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8473 GRAY CT, ARVADA, CO 80003-1335 |
| Document Number | 0001279520 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 12795/20 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 4134 WILLARD DR, CHATTANOOGA, TN 37416-3328 |
| Document Number | 0225000191 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8034 ROSEMERE WAY CHATTANOOGA TN 374214297, CHATTANOOGA, TN 37421-4297 |
| Document Number | 0225000191 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 011571/000984 |
| Instrument | 190225000191 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025-0370 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 24, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 17, 2018 |
| Property Address | 4134 WILLARD DR, CHATTANOOGA, TN 37416-3328 |
| Document Number | 0717000176 |
| Book / Page | 011402 / 000186 |
| Instrument Date | Jul 12, 2018 |
| Instrument | 180717000176 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2018 |
| Title Company | FOUNDATION TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $370.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4134 WILLARD DR CHATTANOOGA TN 374163328, CHATTANOOGA, TN 37416-3328 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 4, 2018 |
| Property Address | 4134 WILLARD DR, CHATTANOOGA, TN 37416-3328 |
| Book / Page | 011242 / 000227 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 89 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 2, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4134 WILLARD DR CHATTANOOGA TN 374163328, CHATTANOOGA, TN 37416-3328 |
| Document Number | 0000000089 |
|---|---|
| Date | Jan 4, 2018 |
| Book Page | 011242/000227 |
| Instrument | 89 |
| Name | TRAVIS JONES |
|---|---|
| Address | 2959 FERNLEAF LN, CHATTANOOGA, TN 37421-1977 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 3, 2019 |
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 | $1,629.00 (+34.85%) | $107,520 (+99.11%) | $268,800 (+99.11%) Land $50,000 Building $218,800 |
| 2024 | $1,208.00 | $54,000 (-) | $135,000 (-) Land $25,000 Building $110,000 |
| 2023 | $1,208.00 | $54,000 (-) | $135,000 (-) Land $25,000 Building $110,000 |
| 2022 | $1,208.00 | $54,000 | $135,000 Land $25,000 Building $110,000 |
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 Claims | 4 (2003–2011) |
| Most Recent Claim | Sep 2011 · tidal / storm surge |
| 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 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 236 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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