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4731 Rocky River Rd, Chattanooga, TN 37416 Property Records

Hamilton County property record for 4731 Rocky River Rd, Chattanooga, TN 37416

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,648 sqft · built 1958
Lot Size0.304 acres (13,245 sqft)
OwnerIndividual Name on File
Last Sale$140,000 (Jul 2021)
Tax Bill$1,154 (2025)
Deeds & MortgagesAug 2025 Mortgage
Jul 2021 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN129J C 001

Property Details

APN / Parcel Number

Primary APN129J C 001
Alternative APN
  • 0000056160

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,648 sqft Living Area

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1976
Architectural StyleRanch
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area13,245 sqft (0.304 acres)
Lot Dimensions119 ft deep x 115 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0000056160
Street Address4731 ROCKY RIVER RD
CityCHATTANOOGA
StateTN
Zip37416-3139
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLT 189 LAKE HILLS UNIT 13 PB 20 PG 29
Legal SubdivisionLAKE HILLS THIRTEENT
Legal Lot Number189
Legal Unit13
JurisdictionHAMILTON TN
Township / Civil Division5
Census Block Group2
Census Block2019
Census Tract11402

Owner

4731 Rocky River Rd is owned and occupied by an individual who bought it in July 2021.

Source: Hamilton County records, as of October 19, 2026

Owner of RecordIndividual Name on File
Mailing Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 19, 2025Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 7, 2021Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Oct 14, 2020Grant Deed, Transfer
SERVICELINK
Feb 18, 2020Quit Claim Deed, Transfer
SERVICELINK
Aug 31, 2018Quit Claim Deed, Transfer
SERVICELINK
Feb 28, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 7, 2021 · Amount on File
Deed SaleJul 7, 2021 · Amount on File
Prior SaleOct 14, 2020 · Amount on File
Deed Document Number2021170
Deed Book / Page12556 / 898
Prior Transfer DateFeb 6, 2020
Prior Transfer Doc0000000204
Record UpdatedOct 29, 2026

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON TN
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Transaction TypeMortgage
Record UpdatedSep 25, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139

Mortgage

Document Number0000000283
DateAug 19, 2025
Book Page14018/593
Instrument2025081900283
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressGREENVILLE, SC 29601
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term311 Months
DueJul 1, 2051

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON TN
Recording DateJul 7, 2021
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Document Number0000000170
Book / Page12556 / 898
Instrument DateJun 28, 2021
Instrument2021070700170
Transaction TypeTransfer
Record UpdatedSep 25, 2025
Title CompanyTITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$518.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
InvestorPossibly a Property Investor

Mortgage

Document Number0012556901
DateJul 7, 2021
Instrument12556/901
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2051

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHAMILTON TN
Recording DateOct 14, 2020
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Document Number1014000180
Book / Page012190 / 000890
Instrument DateJul 15, 2020
Instrument201014000180
Transaction TypeTransfer
Record UpdatedOct 29, 2020
Title CompanySERVICELINK

Transaction

AmountAmount on Record
Tax$514.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateFeb 18, 2020
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Document Number0218000204
Book / Page011911 / 000441
Instrument DateFeb 6, 2020
Instrument200218000204
Transaction TypeTransfer
Record UpdatedMar 11, 2020
Title CompanySERVICELINK

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4801 FREDERICA ST OWENSBORO KY 423017441, OWENSBORO, KY 42301-7441
InvestorPossibly a Property Investor

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON TN
Recording DateAug 31, 2018
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Document Number0831000145
Book / Page011441 / 000618
Instrument DateAug 22, 2018
Instrument180831000145
Transaction TypeTransfer
Record UpdatedSep 17, 2018
Title CompanySERVICELINK

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address502 DEADERICK ST 3RDFLOOR NASHVILLE TN 37243, NASHVILLE, TN 37243

February 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionHAMILTON TN
Recording DateFeb 28, 2018
Property Address4731 ROCKY RIVER RD, CHATTANOOGA, TN 37416-3139
Document Number0000000039
Book / Page011280 / 000661
Instrument DateFeb 22, 2018
Instrument39
Transaction TypeForeclosure
Record UpdatedApr 16, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$373.32
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4731 Rocky River Rd was $1,154, up 15.5% from the year before.

Source: Hamilton County assessment roll, as of January 2, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyHamilton County
MunicipalityChattanooga City
Unified School DistrictHamilton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,154.00 (+15.52%)$76,150 (+70.45%)$304,600 (+70.45%) Land $60,000 Building $244,600
2024$999.00$44,675 (-)$178,700 (-) Land $30,000 Building $148,700
2023$999.00$44,675 (-)$178,700 (-) Land $30,000 Building $148,700
2022$999.00$44,675$178,700 Land $30,000 Building $148,700

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 4731 Rocky River Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies9 in force
Nearby Flood Claims4 (2011–2020)
Claims Outside the SFHA4 of 4
Most Recent ClaimApr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And 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 4731 Rocky River Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemTENNESSEE AMERICAN WATER
private · serves 207,046 people · EPA ID TN0000107
Water SourceSurface water
Last State InspectionDec 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 341 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
EPB
Fiber		100,000 / 100,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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