Hamilton County property record for 4581 Sailmaker Cir, Chattanooga, TN 37416
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,285 sqft · built 2020 |
| Lot Size | 0.179 acres (7,811 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $862,000 (Dec 2025) |
| Tax Bill | $2,854 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 120J A 032.01 |
| Primary APN | 120J A 032.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,285 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,811 sqft (0.179 acres) |
| Lot Dimensions | 107 ft deep x 73 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000151375 |
|---|---|
| Old Parcel Number | 120J A 03201 |
| Street Address | 4581 SAILMAKER CIR |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37416-1676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 23 WINDWARD POINTE SUB PB74 PG27 |
| Legal Subdivision | WINDWARD POINTE SUB |
| Legal Lot Number | 23 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11411 |
Source: Hamilton County records, as of December 31, 2025
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1026 COUNTY ROAD 439, ATHENS, TN 37303-6510 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage SIMMONS BANK |
| Dec 15, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 2, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST CITIZENS NAT'L BK |
| Feb 19, 2019 | Warranty Deed, Construction Loan · Construction Mortgage PINNACLE BK |
| Jan 22, 2019 | Warranty Deed, Transfer FIRST TITLE COMPANY, FIRST TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2025 · Amount on Record |
| Deed Sale | Dec 15, 2025 · Amount on Record |
| Prior Sale | Dec 15, 2025 |
| Deed Document Number | 2025121500203 |
| Deed Book / Page | 14138 / 502 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 15, 2025 |
| Property Address | 4581 SAILMAKER CIR, CHATTANOOGA, TN 37416-1676 |
| Document Number | 0000000203 |
| Book / Page | 14138 / 502 |
| Map Reference | MB 74 PG 27 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 2025121500203 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Title Company | CUMBERLAND TITLE AND GUARANTY COMPANY LLC, CUMBERLAND TTL & GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1026 COUNTY ROAD 439, ATHENS, TN 37303-6510 |
| Document Number | 0014138505 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 14138/505 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Dec 15, 2025 |
| Property Address | 4581 SAILMAKER CIR, CHATTANOOGA, TN 37416-1676 |
| Document Number | 0000000202 |
| Book / Page | 14138 / 499 |
| Map Reference | MB 74 PG 27 |
| Instrument Date | Dec 6, 2025 |
| Instrument | 2025121500202 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8050 WATERCOLOUR LN, OOLTEWAH, TN 37363-4206 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Sep 2, 2020 |
| Property Address | 4581 SAILMAKER CIR, CHATTANOOGA, TN 37416-1676 |
| Document Number | 0902000155 |
| Book / Page | 012137 / 000264 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 200902000155 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | FIRST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,813.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4581 SAILMAKER CIR CHATTANOOGA TN 374161676, CHATTANOOGA, TN 37416-1676 |
| Document Number | 902000156 |
|---|---|
| Date | Sep 2, 2020 |
| Book Page | 012137/000267 |
| Instrument | 200902000156 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Feb 19, 2019 |
| Property Address | 4581 SAILMAKER CIR, CHATTANOOGA, TN 37416-1676 |
| Document Number | 0219000252 |
| Book / Page | 011568 / 000220 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 190219000252 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 4, 2019 |
| Title Company | FIRST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $206.46 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13450 MULLINS COVE RD WHITWELL TN 373977135, WHITWELL, TN 37397-7135 |
| Document Number | 219000253 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 011568/000222 |
| Instrument | 190219000253 |
| Name | PINNACLE BK |
|---|---|
| Type | Bank |
| Address | CHATTANOOGA, TN 37402 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON TN |
| Recording Date | Jan 22, 2019 |
| Property Address | 4581 SAILMAKER CIR, CHATTANOOGA, TN 37416-1676 |
| Document Number | 0122000303 |
| Book / Page | 011548 / 000742 |
| Instrument Date | Jan 18, 2019 |
| Instrument | 190122000303 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2019 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 245 AUGUSTA RD SPARTANBURG SC 293013632, SPARTANBURG, SC 29301-3632 |
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 | $2,854.00 (+2.15%) | $188,325 (+50.78%) | $753,300 (+50.78%) Land $70,000 Building $683,300 |
| 2024 | $2,794.00 | $124,900 (-) | $499,600 (-) Land $70,000 Building $429,600 |
| 2023 | $2,794.00 | $124,900 (-) | $499,600 (-) Land $70,000 Building $429,600 |
| 2022 | $2,794.00 | $124,900 | $499,600 Land $70,000 Building $429,600 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 94% of the US · lower than 94% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within 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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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