4603 Guild Trl, Chattanooga, TN 37409 Property Records

Hamilton County property record for 4603 Guild Trl, Chattanooga, TN 37409

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,590 sqft · built 2020
Lot Size	0.281 acres (12,250 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Jul 2018)
Tax Bill	$1,536 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`167B A 021`

Property Details

APN / Parcel Number

Primary APN	`167B A 021`
Alternative APN	`0000104708`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,590 sqft Living Area

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,250 sqft (0.281 acres)
Lot Dimensions	245 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000104708
Street Address	4603 GUILD TRL
City	CHATTANOOGA
State	TN
Zip	37409-1671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LT 4 A M JOHNSON ESTATE PB A12 PG 51 REV 114-189
Legal Subdivision	JOHNSONS A M
Legal Lot Number	4
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

4603 Guild Trl is owned and occupied by two individuals who bought it in July 2018.

Source: Hamilton County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4603 GUILD TRL, CHATTANOOGA, TN 37409-1671
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
Sep 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Dec 19, 2018	Trustee's Deed, Construction Loan · Line of Credit SOUTHEAST BK
Jul 24, 2018	Warranty Deed, Transfer PIONEER TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Deed Document Number	2018072400163
Deed Book / Page	11408 / 629
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4603 GUILD TRL, CHATTANOOGA, TN 37409-1671
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	0000000128
Date	Sep 5, 2023
Book Page	13390/942
Instrument	2023090500128

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

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

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON TN
Recording Date	Dec 19, 2018
Property Address	4603 GUILD TRL, CHATTANOOGA, TN 37409-1671
Document Number	1219000071
Book / Page	011526 / 000137
Instrument Date	Dec 18, 2018
Instrument	181219000071
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019

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	1219000071
Date	Dec 19, 2018
Book Page	011526/000137
Instrument	181219000071

Lender

Name	SOUTHEAST BK
Type	Bank
Address	CHATTANOOGA, TN 37450

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Jul 24, 2018
Property Address	4603 GUILD TRL, CHATTANOOGA, TN 37409-1671
Document Number	0724000163
Book / Page	011408 / 000629
Instrument Date	Jul 23, 2018
Instrument	180724000163
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	PIONEER TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$277.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4603 GUILD TRL CHATTANOOGA TN 374091671, CHATTANOOGA, TN 37409-1671

Tax Assessment & Valuation

The 2025 property tax bill for 4603 Guild Trl was $1,536, up 3.2% from the year before.

Source: Hamilton County assessment roll, as of May 20, 2025

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	$1,536.00 (+3.23%)	$101,350 (+52.35%)	$405,400 (+52.35%) Land $80,000 Building $325,400
2024	$1,488.00	$66,525 (-)	$266,100 (-) Land $45,000 Building $221,100
2023	$1,488.00	$66,525 (-)	$266,100 (-) Land $45,000 Building $221,100
2022	$1,488.00	$66,525	$266,100 Land $45,000 Building $221,100

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

Flood

FEMA maps place 4603 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 4603 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.

Nearby Properties on Guild Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures