4585 Guild Trl, Chattanooga, TN 37409 Property Records

Hamilton County property record for 4585 Guild Trl, Chattanooga, TN 37409

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,952 sqft · built 2020
Lot Size	0.57 acres (24,840 sqft)
Owner	2 Individual Names on File
Last Sale	$17,000 (Apr 2013)
Tax Bill	$2,076 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`167B A 019`

Property Details

APN / Parcel Number

Primary APN	`167B A 019`
Alternative APN	`0000104706`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,952 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	24,840 sqft (0.57 acres)
Lot Dimensions	310 ft deep x 100 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000104706
Street Address	4585 GUILD TRL
City	CHATTANOOGA
State	TN
Zip	37409-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 5 A M JOHNSON EST PB A12 PB 51 REV 114-189
Legal Subdivision	LOOKOUT MOUNTAIN
Legal Lot Number	5
Jurisdiction	HAMILTON TN
Township / Civil Division	6
Census Block Group	1
Census Block	1044
Census Tract	1800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Elmo Historic District listed 1982 · 611 contributing resources · NRIS 82003976

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

4585 Guild Trl is owned and occupied by two individuals who bought it in April 2013.

Source: Hamilton County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Nov 12, 2021	Deed of Trust, Mortgage · Line of Credit SOUTHEAST BANK
Aug 28, 2020	Loan Modification, Mortgage SOUTHEAST BK
Sep 11, 2018	Trustee's Deed, Construction Loan · Line of Credit SOUTHEAST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2013 · Amount on File
Deed Sale	Apr 22, 2013 · Amount on File
Prior Sale	May 26, 2004 · Amount on File
Deed Document Number	2013321
Deed Book / Page	9931 / 342
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625

Mortgage

Document Number	0000000107
Date	Apr 18, 2023
Book Page	13266/6
Instrument	2023041800107

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625

Mortgage

Document Number	0000000063
Date	Nov 12, 2021
Book Page	12731/610
Instrument	2021111200063

Lender

Name	SOUTHEAST BANK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON TN
Property Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625
Document Number	0904000074
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4585 GUILD TRL CHATTANOOGA TN 374091625, CHATTANOOGA, TN 37409-1625

Mortgage

Document Number	0904000074
Date	Sep 4, 2020
Book Page	012140/000704
Instrument	200904000074

Lender

Name	SOUTHEAST BK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Amount	Amount on Record
Term	12 Months
Due	Sep 3, 2021

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Sep 11, 2018
Property Address	4585 GUILD TRL, CHATTANOOGA, TN 37409-1625
Document Number	0911000174
Book / Page	011450 / 000200
Instrument Date	Sep 6, 2018
Instrument	180911000174
Transaction Type	Construction Loan
Record Updated	Oct 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1611 READ AVE CHATTANOOGA TN 374081221, CHATTANOOGA, TN 37408-1221

Mortgage

Document Number	911000174
Date	Sep 11, 2018
Book Page	011450/000200
Instrument	180911000174

Lender

Name	SOUTHEAST BK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4585 Guild Trl was $2,076, up 8.6% 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	$2,076.00 (+8.58%)	$137,000 (+60.23%)	$548,000 (+60.23%) Land $100,000 Building $448,000
2024	$1,912.00	$85,500 (-)	$342,000 (-) Land $56,300 Building $285,700
2023	$1,912.00	$85,500 (-)	$342,000 (-) Land $56,300 Building $285,700
2022	$1,912.00	$85,500	$342,000 Land $56,300 Building $285,700

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

Flood

FEMA maps place 4585 Guild Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	2 (1979–1990)
Most Recent Claim	Feb 1990 · Severe Storms & Flooding

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 4585 Guild Trl is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 61% of Tennessee
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 69 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

May also be available: T-Mobile.

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