4828 Hal Dr, Chattanooga, TN 37416 Property Records

Hamilton County property record for 4828 Hal Dr, Chattanooga, TN 37416

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1960
Lot Size	0.341 acres (14,891 sqft)
Owner	2 Individual Names on File
Last Sale	$199,900 (Feb 2023)
Tax Bill	$683 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`129G F 024`

Property Details

APN / Parcel Number

Primary APN	`129G F 024`
Alternative APN	`0000055463`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,891 sqft (0.341 acres)
Lot Dimensions	180 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000055463
Street Address	4828 HAL DR
City	CHATTANOOGA
State	TN
Zip	37416-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 22 LAKE TERRACE REV PB20 PG17
Legal Subdivision	LAKE TERRACE
Legal Lot Number	22
Jurisdiction	HAMILTON TN
Township / Civil Division	5
Census Block Group	2
Census Block	2006
Census Tract	11402

Owner

4828 Hal Dr is owned and occupied by two individuals who bought it in February 2023.

Source: Hamilton County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
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
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 8, 2024	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 9, 2023	Warranty Deed, Transfer · VA Mortgage COMPASS MORTGAGE INC
May 28, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BUDDY
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2023 · Amount on File
Deed Sale	Feb 9, 2023 · Amount on File
Prior Sale	May 28, 2021 · Amount on File
Deed Document Number	2023020997
Deed Book / Page	13208 / 155
Prior Transfer Date	Aug 21, 1996
Prior Transfer Doc	0047320827
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, CHOICE TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000289
Date	Aug 13, 2021
Book Page	12609/116
Instrument	2021081300289

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON TN
Property Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314

Mortgage

Document Number	0000000242
Date	Oct 8, 2024
Book Page	13726/858
Instrument	2024100800242

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Feb 9, 2023
Property Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
Document Number	0000000097
Book / Page	13208 / 155
Map Reference	MB 20 PG 17
Instrument Date	Feb 3, 2023
Instrument	2023020900097
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TITLE GUARANTY, TITLE GUARANTY & TRUST CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$739.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314

Mortgage

Document Number	0132080157
Date	Feb 9, 2023
Instrument	13208-0157

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 28, 2021
Property Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
Document Number	0000000253
Book / Page	12504 / 441
Map Reference	MB 20 PG 17
Instrument Date	May 25, 2021
Instrument	2021052800253
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, CHOICE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314

Mortgage

Document Number	0012504444
Date	May 28, 2021
Instrument	12504/444

Lender

Name	BUDDY
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 25, 2022

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	May 30, 2019
Property Address	4828 HAL DR, CHATTANOOGA, TN 37416-2314
Document Number	0530000088
Book / Page	011654 / 000337
Instrument Date	May 23, 2019
Instrument	190530000088
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	BATTLEFIELD TITLE AGENCY, BATTLEFIELD TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 HAL DR CHATTANOOGA TN 374162314, CHATTANOOGA, TN 37416-2314

Mortgage

Document Number	530000089
Date	May 30, 2019
Book Page	011654/000340
Instrument	190530000089

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4828 Hal Dr was $683, down 5% 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	$683.00 (-5.01%)	$45,100 (+40.28%)	$180,400 (+40.28%) Land $60,000 Building $120,400
2024	$719.00	$32,150 (-)	$128,600 (-) Land $30,000 Building $98,600
2023	$719.00 (+24.39%)	$32,150 (+24.37%)	$128,600 (+24.37%) Land $30,000 Building $98,600
2022	$578.00	$25,850	$103,400 Land $30,000 Building $73,400

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 4828 Hal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	9 in force
Nearby Flood Claims	4 (2011–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 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 4828 Hal Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	None 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 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 257 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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