5065 Shoals Ln, Chattanooga, TN 37416 Property Records

Hamilton County property record for 5065 Shoals Ln, Chattanooga, TN 37416

Property Summary

Property Type	Duplex
Details	3 ba · 1,797 sqft · built 1971
Lot Size	0.431 acres (18,790 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Mar 2026)
Tax Bill	$1,629 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112A A 011`

Property Details

APN / Parcel Number

Primary APN	`112A A 011`
Alternative APN	`0000039590`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,797 sqft Total Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	18,790 sqft (0.431 acres)
Lot Dimensions	161 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0000039590
Street Address	5065 SHOALS LN
City	CHATTANOOGA
State	TN
Zip	37416-1063
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LT 11 LAKE SHOALS PB23 PG74
Legal Subdivision	LAKE SHOALS
Legal Lot Number	11
Jurisdiction	HAMILTON TN
Township / Civil Division	9
Census Block Group	5
Census Block	5002
Census Tract	11413

Owner

5065 Shoals Ln, a duplex, is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	5065 SHOALS LN, CHATTANOOGA, TN 37416-1063
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on File
Deed Sale	Mar 30, 2026 · Amount on File
Deed Document Number	20260330282
Deed Book / Page	14243 / 651
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON TN
Recording Date	Mar 30, 2026
Property Address	5065 SHOALS LN, CHATTANOOGA, TN 37416-1063
Document Number	0000000282
Book / Page	14243 / 651
Map Reference	MB 23 PG 74
Instrument Date	Mar 26, 2026
Instrument	2026033000282
Transaction Type	Transfer
Record Updated	Apr 8, 2026
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5065 SHOALS LN, CHATTANOOGA, TN 37416-1063

Mortgage

Document Number	0014243656
Date	Mar 30, 2026
Instrument	14243/656

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 5065 Shoals Ln was $1,629, up 34.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Hamilton County
Unified School District	Hamilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,629.00 (+34.85%)	$107,520 (+99.11%)	$268,800 (+99.11%) Land $50,000 Building $218,800
2024	$1,208.00 (-1.47%)	$54,000 (-)	$135,000 (-) Land $17,100 Building $117,900
2023	$1,226.00	$54,000	$135,000 Land $17,100 Building $117,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5065 Shoals Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 30, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5065 Shoals Ln is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.09% 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	EASTSIDE UTILITY DISTRICT serves 59,612 people · EPA ID TN0000219
Water Source	Surface water
Last State Inspection	Jan 2026
Lead	2 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	3 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 151 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: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Shoals Ln

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