4621 Guild Trl, Chattanooga, TN 37409 Property Records

Hamilton County property record for 4621 Guild Trl, Chattanooga, TN 37409

Property Summary

Property Type	Single Family Home
Details	1 ba · 840 sqft · built 1920
Lot Size	0.283 acres (12,350 sqft)
Owner	Individual Name on File
Last Sale	$273,000 (Mar 2023)
Tax Bill	$982 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`167B A 024`

Property Details

APN / Parcel Number

Primary APN	`167B A 024`
Alternative APN	`0000104711`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1960
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,350 sqft (0.283 acres)
Lot Dimensions	247 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000104711
Street Address	4621 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 1 RKOS ADDITION TO GUILD TRAIL PB A12 PG 51 REV 109-16
Legal Subdivision	JOHNSONS A M
Legal Lot Number	1
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

4621 Guild Trl is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4621 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
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG
Aug 18, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2023 · Amount on File
Deed Sale	Mar 17, 2023 · Amount on File
Prior Sale	Oct 3, 2017
Deed Document Number	2023031700053
Deed Book / Page	13238 / 582
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 17, 2023
Property Address	4621 GUILD TRL, CHATTANOOGA, TN 37409-1671
Document Number	0000000053
Book / Page	13238 / 582
Map Reference	MB 109 PG 16
Instrument Date	Mar 16, 2023
Instrument	2023031700053
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	BRIDGE CITY TITLE DOWNTOWN, BRIDGE CITY TTL DOWNTOWN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,010.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4621 GUILD TRL, CHATTANOOGA, TN 37409-1671

Mortgage

Document Number	0132380586
Date	Mar 17, 2023
Instrument	13238-0586

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4621 GUILD TRL, CHATTANOOGA, TN 37409-1671
Document Number	0911000229
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4621 GUILD TRL CHATTANOOGA TN 374091671, CHATTANOOGA, TN 37409-1671

Mortgage

Document Number	0911000229
Date	Sep 11, 2020
Book Page	012148/000913
Instrument	200911000229

Lender

Name	BETTER MTG
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Aug 18, 2017
Property Address	4621 GUILD TRL, CHATTANOOGA, TN 37409-1671
Document Number	0000000124
Book / Page	11132 / 887
Map Reference	MB109 PG16
Instrument Date	Aug 18, 2017
Instrument	2017081800124
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	CUMBERLAND TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4621 GUILD TRL, CHATTANOOGA, TN 37409-1671

Mortgage

Document Number	0000000125
Date	Aug 18, 2017
Instrument	2017081800125

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4621 Guild Trl was $982, up 22.8% 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	$982.00 (+22.75%)	$64,825 (+81.08%)	$259,300 (+81.08%) Land $80,000 Building $179,300
2024	$800.00	$35,800 (-)	$143,200 (-) Land $45,000 Building $98,200
2023	$800.00	$35,800 (-)	$143,200 (-) Land $45,000 Building $98,200
2022	$800.00	$35,800	$143,200 Land $45,000 Building $98,200

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.

Flood

FEMA maps place 4621 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 4621 Guild Trl is moderate, ranking above 43% of the US, with a 0.07% 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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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