Hamilton County property record for 4409 Vester Ln, Chattanooga, TN 37412
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,395 sqft · built 1960 |
| Lot Size | 0.232 acres (10,140 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Jul 2021) |
| Tax Bill | $1,000 (2025) |
| Deeds & Mortgages | Jul 2021 Sale Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 169I H 020 |
| Primary APN | 169I H 020 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,140 sqft (0.232 acres) |
| Lot Dimensions | 96.3 ft deep x 105 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000114601 |
|---|---|
| Street Address | 4409 VESTER LN |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37412-2731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LT 11 MC BRIEN ACRES PB 21 PG 9 |
| Legal Subdivision | MC BRIEN ACRES |
| Legal Lot Number | 11 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 8 |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 11800 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4409 VESTER LN, CHATTANOOGA, TN 37412-2731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2021 | Warranty Deed, Transfer CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Sep 24, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2021 · Amount on Record |
| Deed Sale | Jul 19, 2021 · Amount on Record |
| Deed Document Number | 2021071900265 |
| Deed Book / Page | 12573 / 130 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jul 19, 2021 |
| Property Address | 4409 VESTER LN, CHATTANOOGA, TN 37412-2731 |
| Document Number | 0000000265 |
| Book / Page | 12573 / 130 |
| Map Reference | MB 21 PG 9 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021071900265 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $703.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4409 VESTER LN, CHATTANOOGA, TN 37412-2731 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON TN |
| Property Address | 4409 VESTER LN, CHATTANOOGA, TN 37412-2731 |
| Document Number | 1005000081 |
| Instrument Date | Sep 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 4409 VESTEREN O CHATTANOOGA TN 37412, CHATTANOOGA, TN 37412 |
| Document Number | 1005000081 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 012177/000593 |
| Instrument | 201005000081 |
| Name | FIRST HORIZON BK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | East Ridge City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,000.00 (+22.55%) | $66,025 (+80.89%) | $264,100 (+80.89%) Land $50,000 Building $214,100 |
| 2024 | $816.00 (-36.3%) | $36,500 (-) | $146,000 (-) Land $35,000 Building $111,000 |
| 2023 | $1,281.00 | $36,500 (-) | $146,000 (-) Land $35,000 Building $111,000 |
| 2022 | $1,281.00 | $36,500 | $146,000 Land $35,000 Building $111,000 |
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 | 1 in force |
| Nearby Flood Claims | 2 (1983–1994) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 1994 · rainfall accumulation |
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 502 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures